Method of authorizing automated banking machine use responsive to user data read from data bearing records

ABSTRACT

An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user&#39;s home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. application Ser. No.12/587,128 filed Sep. 30, 2009, now U.S. Pat. No. 7,891,555, which is acontinuation of U.S. application Ser. No. 11/226,104 filed Sep. 14,2005, now U.S. Pat. No. 7,597,249, which is a divisional of U.S.application Ser. No. 09/578,312 filed May 25, 2000, now U.S. Pat. No.7,266,526, which is a continuation-in-part of U.S. application Ser. No.09/193,787 filed Nov. 17, 1998, now U.S. Pat. No. 7,624,050, which is acontinuation-in-part of U.S. application Ser. No. 09/077,337 filed May27, 1998, now U.S. Pat. No. 7,567,924, which was the National Stage ofInternational Application PCT/US97/21422 filed Nov. 25, 1997, whichclaims the benefit of Provisional Application 60/031,956 filed Nov. 27,1996.

Application Ser. No. 09/578,312 claims the benefit of ProvisionalApplication 60/144,761 filed Jul. 20, 1999. Application Ser. No.09/193,787 claims the benefit of Provisional Applications 60/091,887filed Jul. 7, 1998, 60/095,626 filed Aug. 7, 1998, and 60/098,907 filedSep. 2, 1998.

The entire disclosure of each of these applications is hereinincorporated by reference.

TECHNICAL FIELD

This invention relates to automated banking machines that operateresponsive to data read from data bearing records to cause financialtransfers, and which may be classified in U.S. Class 235, Subclass 379.

BACKGROUND OF INVENTION

Automated banking machines are well known. A common type of automatedbanking machine used by consumers is an automated teller machine(“ATM”). ATMs enable customers to carry out banking transactions. Commonbanking transactions that may be carried out with ATMs include thedispensing of cash, the receipt of deposits, the transfer of fundsbetween accounts, the payment of bills, and account balance inquiries.The types of banking transactions a customer can carry out aredetermined by capabilities of the particular banking machine and theprogramming of the institution operating the machine. Other types ofautomated banking machines may allow customers to charge againstaccounts or to transfer funds. Other types of automated banking machinesmay print or dispense items of value such as coupons, tickets, wageringslips, vouchers, checks, food stamps, money orders, scrip or travelerschecks. For purposes of this disclosure an automated banking machine orautomated transaction machine shall encompass any device which carriesout transactions including transfers of value.

Currently ATMs are operated in proprietary communications networks.These networks interconnect ATMs operated by financial institutions andother entities. The interconnection of the networks often enables a userto use a banking machine operated by another institution if the foreigninstitution's banking machine is interconnected with the network thatincludes the user's institution. However when the customer operates theforeign institution's machine the customer must operate the machineusing the customer interface that has been established by the foreigninstitution for its banking machines. In addition the user is limited tothe transaction options provided by the foreign institution.

A customer may encounter difficulties when using a foreign institution'smachine. Problems may occur because the user is not familiar with thetype of machine operated by the foreign institution. Confusion mayresult because the customer does not know which buttons or othermechanisms to actuate to accomplish the desired transactions. Thetransaction flow for a customer at a foreign institution machine may besignificantly different from machines operated by the user's homeinstitution. This may be particularly a problem when the user is fromanother country and is not familiar with the type of banking machine orthe language of the interface provided by the foreign institution.Likewise, the documents which are printed by printers in an automatedbanking machine are generally limited to a limited group of definedformats in a single language.

A foreign institution may also provide different types of transactionsthan the user is familiar with at their home institution. For examplethe user's home institution may enable the transfer of funds betweenaccounts through their automated banking machines, to enable the user tomaintain funds in higher interest bearing accounts until they areneeded. If the foreign institution does not provide this capability, theuser will be unable to do this when operating the foreign machine. Theinability of a user at a foreign machine to conduct the transactionsthat they are accustomed to may present problems.

The networks that operate automated teller machines and other types ofautomated banking machines generally operate proprietary networks towhich access is restricted. This is necessary to prevent fraud ortampering with the network or user's accounts. Proprietary networks arealso generally used for the transmission of credit card messages andother financial transaction messages. Access to such credit cardprocessing systems is also restricted primarily for purposes ofmaintaining security.

Communication over wide area networks enables messages to becommunicated between distant locations. The best known wide area networkis the Internet which can be used to provide communication betweencomputers throughout the world. The Internet has not been as widely usedfor financial transaction messages because it is not a secure system.Messages intended for receipt at a particular computer address may beintercepted at other addresses without detection. Because the messagesmay be intercepted at locations that are distant in the world from theintended recipient, there is potential for fraud and corruption.

Companies are beginning to provide approaches for more securetransmission of messages on the Internet. Encryption techniques are alsobeing applied to Internet messages. However the openness of the Internethas limited its usefulness for purposes of financial messages,particularly financial messages associated with the operation ofautomated banking machines.

Messages in wide area networks may be communicated using theTransmission Control Protocol/Internet protocol (“TCP/IP”). U.S. Pat.No. 5,706,422 shows an example of a system in which financialinformation stored in databases is accessed through a private wide areanetwork using TCP/IP messages. The messages transmitted in such networkswhich use TCP/IP may include “documents” (also called “pages”). Suchdocuments are produced in Hypertext Markup Language (“HTML”) whichreference to markup language herein being to a type of programminglanguage used to produce documents with commands or ‘tags” therein. Thetags are codes which define features and/or operations of the documentsuch as fonts, layout, imbedded graphics and hypertext links. Markuplanguage documents such as HTML documents are processed or read throughuse of a computer program referred to as a “browser.” The tags tell thebrowser how to process and control what is seen on a screen and/or isheard on speakers connected to the computer running the browser when thedocument is processed. HTML documents may be transmitted over a networkthrough the Hypertext Transfer Protocol (“HTTP”). The term “Hypertext”is a reference to the ability to embed links into the text of a documentthat allow communication to other documents which can be accessed in thenetwork.

Thus there exists a need for an automated banking machine and systemthat can be used in a wide area network such as the Internet whileproviding a high level of security. There further exists a need for anautomated banking machine and system which provides a user with thefamiliar interface and transaction options of their home institutionwhen operating foreign institution machines. There further exists a needfor a machine which may provide more transaction options and types ofpromotional and printed materials to users.

OBJECTS OF EXEMPLARY EMBODIMENTS

It is an object of an exemplary embodiment of the present invention toprovide an automated banking machine at which a user may conducttransactions.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine that may be operatedthrough connection to a wide area network.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine and system thatprovides a user with a familiar interface and transaction options oftheir home institution at machines operated by foreign institutions.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine that communicatesusing HTML documents and TCP/IP messages.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine that enables theconnection of the banking machine to a user's home institution throughmarkup language documents and TCP/IP messages generated responsive toindicia on a card input by a user.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine and system thataccomplishes transactions over a wide area network while maintaining ahigh level of security.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine and system thatcontrols connection of the banking machine to foreign addresses througha proxy server.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine that limits theoperation of devices in the machine through a local device server.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine and system that isoperable through connection to the Internet.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine that may be used toprovide a user with more types of messages including messages targetedto particular users.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine which is capable ofproviding users with a wider variety of printed documents.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine which providesadditional options for identifying authorized users.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine that can be used inconnection with existing transaction systems while providing enhancedfunctionality.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine which providesenhanced diagnostic and service capabilities.

It is a further object of an exemplary embodiment of the presentinvention to provide an automated banking machine which performstransactions at a rapid pace.

It is a further object of an exemplary embodiment of the presentinvention to provide improved systems in which automated bankingmachines are used.

It is a further object of an exemplary embodiment of the presentinvention to provide improved methods of operation for automated bankingmachines and systems.

Further objects of exemplary embodiments of the present invention willbe made apparent in the following Detailed Description of ExemplaryEmbodiments and the appended claims.

The foregoing objects are accomplished in an exemplary embodiment of theinvention by an automated banking machine that includes output devicessuch as a display screen, and input devices such as a touch screenand/or a keyboard. The banking machine further includes devices such asa dispenser mechanism for sheets of currency, a printer mechanism, acard reader/writer, a depository mechanism and other transactionfunction devices that are used by the machine in carrying out bankingtransactions.

The banking machine is in operative connection with at least onecomputer. The computer is in operative connection with the outputdevices and the input devices, as well as with the sheet dispensermechanism, card reader and other physical transaction function devicesin the banking machine. The computer includes software programs that areexecutable therein. The software includes a document handling portionfor handling HTML or other documents. The document handling portionoperates to send and receive HTML documents and HTTP messages. The HTMLdocument handling portion is preferably in operative connection with theoutput device to display screens including hypertext link indicators.The document handling portion is also preferably in operative connectionwith the input device which enables user selection and the generation ofresponse messages from the computer. The document handling portionpreferably operates in connection with a JAVA software environment andhas the capability of executing instructions in JAVA script transmittedwith documents.

The software in the computer of the exemplary embodiment furtherpreferably includes a device application portion. The device applicationportion includes software that is operative to control the sheetdispenser and other devices. In the exemplary form of the invention thedevice application portion includes a plurality of JAVA applets foroperating devices in the machine.

The computer in the exemplary automated banking machine further includesa device interfacing software portion. The device interfacing softwareportion operates to receive messages from the device application portionand to cause the devices to operate through appropriate hardwareinterfaces. In one exemplary form of the automated banking machine, thedocument handling portion, device application portion and deviceinterfacing software portion each reside on the same computer andcommunicate at different IP ports.

The automated banking machine in one exemplary configurationcommunicates using TCP/IP messages in an intranet which includes aplurality of such machines. The intranet is in turn connected to atleast one computer which is operated by a home institution. The homeinstitution is the entity that operates the banking machines.

The computer of the home institution preferably includes a home HTTPserver, a proxy server and a device server. The proxy servercommunicates through the intranet with the document handling portion ofthe software in each of the banking machines. The proxy server is alsoconnectable to a wide area network, such as the Internet, to whichforeign servers are connected. The device server is operative to passmessages between the device application portion and the deviceinterfacing software portion of the banking machines. The device servermay include monitor software which monitors and selectively limits theuse and operation of the devices in the banking machine. This provides alevel of security.

The automated banking machine and system of an exemplary embodiment isoperative to place a user in connection with the institution where theyhave their accounts. This can be either the home institution thatoperates the banking machine where the user is present, or a foreigninstitution which is connected to the wide area network. To operate thebanking machine a user provides inputs which correspond to an address,such as a URL address, through an address input device. The documenthandling portion operates to cause the banking machine to be connectedto the server corresponding to that address. This may be accomplished inan exemplary embodiment by the user having indicia representative of theaddress on a card that is read by a card reader in the banking machine,or other input device which identifies the user or an institution orentity with which the user has accounts.

The document handling portion is responsive to the address on the cardor other input data to connect through the proxy server to the user'sinstitution. If the user's home institution address corresponds to thehome server, the banking machine operates responsive to messages fromthe home server. If however the user's input address corresponds to anaddress of a foreign server, the proxy server is operative tocommunicate through the wide area network with the foreign server at thecustomer's home institution. If the customer causes the machine toconnect a server operated by a foreign institution, the documents sentfrom the foreign institution correspond to those normally provided bythe foreign institution. As a result the customer is familiar with theinterface produced by these documents and will be able to more readilyoperate the banking machine.

The foreign server or home server operates the banking machine bysending documents that include instructions which enable operation ofthe devices in the banking machine. The instructions are transmittedfrom the document handling portion to the device application portion ofthe software, which operates the devices in response to theinstructions. The instructions from the device application portion tothe devices in the automated banking machine are passed through thedevice server of the home institution. This helps to maintain security.In addition, the proxy server may include screening software whichlimits the foreign servers which may connect to and operate the bankingmachine. This is referred to as a “fire wall.”

Embodiments also provide enhanced user interfaces and for the printingof a wide variety of documents with the banking machine. Embodimentsalso enable achieving enhanced functionality while utilizing existingtransaction networks and automated transaction machines.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is a schematic view of a network configuration including anexemplary embodiment of the automated banking machine apparatus andsystem.

FIG. 2 is a schematic view of the exemplary embodiment of an automatedbanking machine.

FIGS. 3 through 24 show schematic views of the automated bankingmachine, an intranet connecting the banking machine to a computer systemof a home bank and a wide area network connecting the computer system ofthe home bank to a foreign bank.

FIGS. 3 through 18 schematically represent steps in a transactioncarried out at the banking machine with the computer system of the homebank.

FIGS. 19 through 24 schematically represent steps in a transactioncarried out at the banking machine with the computer system of theforeign bank.

FIG. 25 is a schematic view of a network configuration including analternative embodiment of the automated banking machine.

FIG. 26 is a schematic view of frames in the HTML document handlingportion of the alternative embodiment of the automated banking machineshown in FIG. 25.

FIG. 27 is a schematic view of a customer interface of an automatedbanking machine and the function keys and keypad keys included in theinterface.

FIGS. 28-30 schematically represent exemplary steps in convertingfunction key and keypad key inputs to keyboard stream and mouse streaminputs.

FIG. 31 schematically represents exemplary steps in printing documentswith the automated banking machine.

FIG. 32 is a screen output representing combined outputs from fivebrowsers operated in an automated banking machine.

FIG. 33 is a screen output representing outputs from three browsersoperating in an automated banking machine.

FIG. 34 is a screen output representing outputs from nine browsersoperating in an automated banking machine.

FIG. 35 is a screen output representing outputs from two browsersoperating in an automated banking machine.

DETAILED DESCRIPTION OF EXEMPLARY EMBODIMENTS

Referring now to the drawings and particularly to FIG. 1, there is showntherein a network configuration schematically indicated 10, whichincludes the automated banking machine apparatus and system of oneexemplary embodiment of the present invention. Network 10 includes aplurality of automated banking machines 12 which in the exemplary systemare ATMs. ATMs 12 are connected to a computer system of a home bankschematically indicated 14. Home bank computer system 14 is the computersystem that is operated by the bank or other institution which hasprimary responsibility for the ATMs 12. Home bank computer system 14 isconnected to the ATMs 12 through an intranet 16. Intranet 16 ispreferably a local or proprietary network that provides communicationbetween the computer system 14 and the banking machines 12 usingmessages in the transmission control protocol/internet protocol(“TCP/IP”) format.

The messages that are communicated through the intranet 16 in theexemplary embodiment are preferably TCP/IP messages and hypertext markuplanguage (“HTML”) documents. In one exemplary embodiment of theinvention the HTML documents sent through intranet 16 include embeddedobject oriented programming instructions, preferably in the JAVA® formatwhich has been developed by Sun Microsystems. The messages sent throughintranet 16 may be sent in an encrypted or unencrypted form depending onthe nature of the system and the security needs of the home bank.

It should be understood that embodiments of the invention may processother forms of documents which include tags or instructions therein. Forexample a form of “extended” HTML (“XML”) has recently been developedwhich may be used in embodiments of the invention. For purposes of theinvention all such forms of languages and variants which includedocuments, which documents include instructions therein shall bereferred to as markup language documents. Likewise, while JAVA® is usedin the described embodiment, other programming languages may be used.For example, Active-X™ developed by Microsoft Corporation or otherlanguages may be used in other embodiments. Further it should beunderstood that the instructions included in documents may be operativeto cause a computer to access other documents, records or files at otheraddresses to obtain a program to carry out an operation.

Home bank computer system 14 is also connectable as shown to a wide areanetwork 18. In some embodiments of the invention the wide area network18 is the Internet. In other embodiments of the invention, other widearea networks may be used. The wide area network preferably communicatesmessages in TCP/IP between numerous computer systems connected to thewide area network. These foreign computer systems are schematicallyrepresented by servers 20, 22, 24, 26 and 28. It should be understoodthat servers 20 through 28 may be operated by or connected to otherfinancial institutions throughout the world. Servers 20 through 28preferably operate by communicating markup language documents and otherHTTP messages.

FIG. 2 shows a schematic view of the ATM 12 used in connection with oneexemplary embodiment of the invention. ATM 12 includes a touch screen30. Touch screen 30 includes a display screen which serves as an outputdevice for communication with a user of the machine. Touch screen 30,because it is a touch screen, also serves as an input device forreceiving input instructions from a user. Touch screen 30 is connectedthrough an interface 32 to at least one computer 34 which is preferablyhoused within the machine. Alternative embodiments of the invention mayinclude other types and/or additional output devices such as audiospeakers.

Computer 34 is also in connection with a plurality of transactionfunction devices 36 which are included in ATM 12. Devices 36 include forexample, a reader such as a card reader/writer mechanism 38 and akeyboard 40. Devices 36 further include a sheet dispenser mechanism 42which is operative to dispense sheets, which in some preferred forms ofthe invention are currency or bank notes. Devices 36 also include adepository 44 for accepting deposits into a secure location in themachine. Deposits in embodiments of the invention may include sheetssuch as notes and checks, and/or items of value housed in containerssuch as deposit envelopes. A receipt printer 46 for providingtransaction receipts to customers is also included among devices 36. Ajournal printer 48 is also included among the devices for keeping a hardcopy record of transaction information. In other embodiments other oradditional transaction function devices which carry out othertransaction functions may be used. Other embodiments may include fewertransaction function devices. It should be further understood that whilethe described embodiment of the invention is an automated bankingmachine, the principles of the invention may be employed in many typesof transaction machines that do not necessarily carry out bankingtransactions.

Each of the devices is operatively connected to an internal control bus50 within the banking machine 12. The control bus 50 outputs theinternal messages to the particular devices. Each device has anappropriate hardware interface which enables the particular device tooperate to carry out its respective function in response to the messagestransmitted to it on control bus 50. Card reader/writer 38 has ahardware interface schematically shown as 52. Hardware interfaces 54,56, 58, 60 and 62 are respectively operative to connect keyboard 40,sheet dispenser mechanism 42, depository mechanism 44, receipt printermechanism 46 and journal printer mechanism 48 to the control bus 50.

Computer 34 has several software programs that are executable therein.In the exemplary embodiment of the invention these software programsinclude a device interfacing software portion generally indicated 64.Device interfacing software portion 64 preferably includes a softwaredevice interface 66 that causes the computer to communicate electronicmessages through the control bus 50. The device interface softwareportion 64 also preferably includes a device manager 68. The devicemanager is preferably operative to manage the various devices 36 and tocontrol their various states so as to be assured that they properlyoperate in sequence. The device manager is also preferably operative tocommunicate with software device objects so as to enable operation ofthe devices responsive to at least one object oriented program 70.Device interfacing software portion 64 also includes the object orientedprogram portion 70, which in one exemplary embodiment is an applicationwritten in the JAVA language. Program 70 works in conjunction with thedevice manager to receive messages which cause the devices to operate,and to transmit device operation messages indicative of a manner inwhich devices are operating and/or are receiving input data.

The device interfacing software portion 64 in the described embodimentoperates on computer 34 and communicates through a physical TCP/IPconnection 72 with the intranet 16. The physical connection may beanalog dial-up, serial port, ISDN connection or other suitableconnection. In the configuration of the system as shown, deviceinterfacing software portion 64 communicates at the IP address ofcomputer 34 and at an IF port or socket indicated 74 that is differentfrom the other software applications. In other embodiments of theinvention, device interfacing software portion 64 may operate in adifferent computer than the other software applications.

It should further be understood that although in the exemplaryembodiment of the invention the device interfacing portion 64 issoftware, in other embodiments of the invention all or portions of theinstruction steps executed by software portion 64 may be resident infirmware or in other program media in connection with one or morecomputers, which are operative to communicate with devices 36. Forpurposes of the invention all such forms of executable instructionsshall be referred to as software.

Other software also operates in computer 34. This software includesdocument handling software which includes a browser, schematicallyindicated 76. In one exemplary embodiment of the invention the documenthandling software includes a Netscape Navigator® browser provided byNetscape Communications. However in other embodiments other documenthandling and communicating software and browser software, such as HotJAVA® by Sun Microsystems or Internet Explorer™ from Microsoft, may beused. Browsers used in embodiments of the invention may be operative toprocess documents and cause a computer to produce outputs that can beused to produce visible outputs on a screen, as well as other types ofsignals or messages. In the exemplary embodiment browser 76 communicatesin computer 34 at an IF port indicated by 78.

Browser 76 is in operative connection with JAVA environment software 80which enables computer 34 to run JAVA language programs. JAVA languageprograms have the advantage that they may operate the same on a varietyof hardware platforms without modification. This “write once\runanywhere” capability makes the JAVA environment well-suited for thedescribed embodiment of the invention. However, other embodiments mayuse different types of software programs.

The JAVA environment software 80 enables computer 34 to executeinstructions in JAVA script, schematically indicated 82. Theinstructions that are executed by the computer in JAVA script arepreferably embedded JAVA script commands that are included in HTMLdocuments which are received through the browser 76. In this exemplaryembodiment the browser 76 in connection with the JAVA environmentsoftware 80 which executes instructions in the embedded JAVA script 82,serve as an HTML document handling software portion for transmitting andreceiving HTML documents and TCP/IP messages through the IP portindicated by 78. In other embodiments other browsers and/or software maybe used for handling HTML documents.

Computer 34 also has software executable therein having a deviceapplication portion 84. The device application portion 84 containsexecutable instructions related to operation of the devices 36. In theexemplary embodiment of the invention, the device application portionincludes a plurality of JAVA applets. In the described embodiment theapplets are also preferably programs operable to control and keep trackof the status of the devices with which they are associated. Certainapplets are also preferably operable to configure the browser tocommunicate messages. Certain applets manage security and authenticateentities that use the ATM.

In the described form of the invention, JAVA applets are associated withfunctions such as enabling the card reader mechanism, notifying thebrowser when a user's card data has been entered, operating the receiptprinter mechanism, operating the journal printer mechanism, enabling thecustomer keyboard and receiving data input through the keyboard,operating the sheet dispenser mechanism, operating the depository,navigating to document addresses, timing device functions, verifyingdigital signatures, handling encryption of messages, controlling the mixof bills dispensed from multiple sheet dispenser mechanisms, calculatingforeign exchange, and ending a transaction and instructing the browserto return to communication with the home server. Of course in otherembodiments, other applets may be used to control devices and use datato carry out various desired functions with the machine. The deviceapplication portion 84 communicates in the computer 34 at an IP portindicated 86.

In the described embodiment of the invention, the device applicationportion 84 of the software does not communicate its messages directly tothe device interfacing software portion 64. As later explained, this isone approach to providing heightened security. However it should beunderstood that embodiments of the invention may provide for the deviceapplication portion 84 to directly communicate device operation messagesto the device program 70. This may be done either internally usingTCP/IP, by delivery of messages in a conventional manner through a queueestablished in the operating system of the computer that is associatedwith the software that interfaces with the devices, or by direct call tothis software.

From the foregoing discussion it will also be appreciated that certainapplets in the device application 84 may correspond to devices which arenot present in all automated teller machines. For example an automatedteller machine that operates only as a cash dispenser does not include adepository mechanism like depository 44. To accommodate the situationwhere a user requests a transaction that is not physically possible withthe ATM 12, the device interfacing software portion 64 may be programmedto provide an appropriate response message to indicate that the functionis not available.

Alternatively, the device interfacing software portion may include afunction which checks for the presence or absence of each type ofphysical device within the ATM. Information indicative of the devicespresent in the ATM may be included as part of the messages generated bythe ATM. For example, information indicative of the devices which areoperative in the ATM may be included as a portion or several parts ofthe URL addresses to which messages are directed by the ATM. In thisway, the URL in the server to which the ATM connects may be configuredfor providing only documents which correspond to the types oftransactions that the ATM is capable of performing. As a result thebrowser avoids displaying documents which include references totransaction types that the machine is not capable of performing. Thusfor example, a machine may avoid producing a display in response to adocument which includes a reference to a deposit transaction if themachine does not include a depository.

Alternatively the machine may include in memory, data representative ofthe functional devices included in the machine. This may include forexample data representative of a plurality of devices in the machine andthe configurations of such devices, or alternatively, a designator suchas a machine number sufficient to identify the capabilities of themachine. The device data indicative of the functional devices in themachine is communicated to a server and the server is operative todeliver the appropriate documents for the devices present in themachine. This may be done based on the data corresponding to the devicedata from the machine or may be resolved from a memory which holds datarepresentative of the functional devices in a machine associated with aparticular designator. Documents selectively delivered by the server tothe browser of the machine will include the appropriate references tothe functional devices present in the machine. In alternativeembodiments messages from the machine may indicate the type oftransaction being requested or other information which corresponds todevices or transaction capabilities available at the particular machinewhere a transaction is requested by a customer. Documents accessed maybe static documents or may be generated at run time from sub-documentsor other data, to provide the appropriate outputs and instructions tothe output devices of the transaction machine.

FIG. 3 shows the ATM 12 in communication through the intranet 16 withthe home bank computer system 14. Computer system 14 includes a proxyserver 88. System 14 further includes a home HTTP server 90. Computersystem 14 further includes a device server 92. The proxy server, homeHTTP server and device server may be included in a single computer asshown, or in other embodiments may be separate computers. Additionalservers may be operative in other embodiments.

The home HTTP server 90 is preferably in communication with a data storeand is in electronic communication with a back office computer system,schematically indicated 94. Back office computer system 94 is operativeto keep track of debiting or crediting customers' accounts when theyconduct transactions at the automated banking machines. In addition backoffice 94 is also preferably operative to track transactions forpurposes of accomplishing settlements with other institutions who areparticipants in the system and whose customers conduct transactions atthe ATMs 12.

As later explained, proxy server 88 is also operative in the describedembodiment to communicate through the wide area network 18 with foreignservers such as foreign server 96. Foreign server 96 is an example of aserver operated by an institution or entity other than the institutionwhich operates computer system 14. It should be understood that whileforeign server 96 is indicated as operated by a “foreign” institution,this is not necessarily indicative that the institution is located inanother country from the institution that operates computer system 14.However, it is possible that foreign server 96 could be located in sucha foreign country, including a country in which the language spoken isdifferent from that generally used in the country where ATM 12 islocated.

The conduct of transactions using the ATM 12 is now explained withreference to FIGS. 3-24. It should be understood that the followingdescribed transaction flows are merely examples of the operation of theapparatus and system, and the apparatus and system may be configured andoperated in numerous ways to carry out transactions.

At the start of an exemplary transaction, as schematically representedin FIG. 3, the browser 76 communicates through the intranet 16 with theproxy server 88. The communication is established preferably in a mannerso that HTML documents intended to attract customers to the ATM 12 areprocessed and produce outputs displayed on the touch screen 30. This isreferred to as the “attract mode.” These HTML documents which areprocessed in the browser to produce the outputs in the form of screenson the touch screen 30 (and/or outputs through other output devicesincluded in the machine) may originate from home HTTP server 90 which isoperative to deliver the HTML documents to the proxy server. The homeHTTP server sends the messages addressed to the IP port associated withbrowser 76, so as to cause their display at the proper ATM machine. Itshould be understood that while in this example, home server 90 isdescribed as communicating with the ATMs through the proxy server 88,the server 90 may in other systems encompassed by the inventioncommunicate directly with the ATMs.

A fundamental advantage of the system is that home HTTP server 90 maydeliver documents selectively to the ATMs 12 connected to the intranet16. These documents may include messages or material tailored to theparticular location in which an ATM 12 is located. Examples ofparticularly tailored screens may include bilingual messages in certainneighborhoods or information concerning currency exchange at variousports of entry. The material or messages could include advertising forvarious products or services or other material targeted to particularmachine locations. The JAVA applets and JAVA script are loaded from acentral location providing selective software distribution in the ATMswhich may also be used to tailor the ATM to its environment by causingit to access documents which include material intended to be useful inthat location, and which is not provided in documents delivered to atleast some other machines in the system.

Systems of the present invention may be configured to have selectedmachines access HTML documents at different addresses, so that theparticular documents accessed include the material targeted to users ofthe particular machine. Alternatively, a machine may communicate machinedata indicative of its identity and/or location to a server. From themachine data, and data stored in a data store in connection with theserver, the server may operate to deliver the documents including thetargeted material. This may be accomplished by assembling subdocuments,or otherwise, to generate the documents that will be delivered to thebrowser of the particular machine. In addition it should be understoodthat while in the embodiment shown the HTML documents are accessedthrough a server of an institution associated with the machine, thedocuments used for the attract mode may be accessed from other serversoperated by other entities.

The touch screen 30 in this exemplary transaction sequence displays ascreen which includes an icon which indicates in one or more languagesthat to commence a transaction a user should touch the screen. If a usertouches the screen in the area of the icon an input signal is generated.The input signal or HTTP message is transmitted through the browser 76to the home address of the home HTTP server 90 to which the ATM 12 iscurrently in communication. The message generated back to the home HTTPserver is represented by the arrows directed from the browser 76 to theintranet 16, from the intranet 16 to the proxy server 88, and from theproxy server to the HTTP server 90 in FIG. 3.

In response to the home HTTP server 90 receiving the message indicatingthat a customer has touched the icon on the screen, the home server isoperative responsive to the address accessed to send a message throughthe proxy server 88 (or in other embodiments directly) to the browser76. This message preferably includes an HTML document which whenprocessed through the browser produces a screen instructing the customerto insert their card into the card reader mechanism 38. The HTMLdocument flow which is represented graphically in FIG. 4, preferablyalso includes embedded JAVA script or other instructions which operatein the JAVA environment to communicate a message to the JAVA appletresponsible for enabling the card reader in the device applicationportion 84. In one exemplary embodiment the instructions provide apointer or tag to the applet which executes responsive to receipt of thedocument instructions. Of course in other embodiments other software andapproaches may be used.

As schematically represented in FIG. 5, in response to the embedded JAVAscript activating the JAVA applet associated with the enable card readerfunction, the JAVA applet in the device application portion 84communicates with the device server 92. The device server 92 includes adevice server program 98 which in the exemplary embodiment is a JAVAprogram that enables communication with the JAVA applets and the deviceserver application 100. The device server 92 further preferably includesa monitor software application 102 which is operative to monitor deviceoperation instructions. The monitor software minimizes the risk of fraudor abuse in a manner later explained.

Returning to the sample transaction, as represented in FIG. 5, inresponse to receiving the enable card reader message from the deviceapplication portion 84, the device server 92 is operative to generate amessage through the intranet 16 to the device interfacing softwareportion 64 of the ATM 12. This message which comprises an HTTP recordincluding instructions for operating the card reader, is directed to theIP port indicated 74 where the device interfacing software portion 64communicates. In response to receiving this message, the softwareportion 64 is operative to send a message or messages on the control bus50 which enables card reader mechanism 34.

Continuing with the exemplary transaction, as represented in FIG. 6, theinput of the card by the customer to the card reader 34 is operative tocause the card data to be read and the device interfacing programportion 64 to send a message to the device server 92 indicating the carddata has been read. This message is transmitted by the device serverthrough the intranet 16 to the device application portion 84. The deviceapplication portion then sends a message to the device server requestingthe card data. The device server 92 transmits a message withinstructions to deliver the card data from the device interfacingsoftware portion 64 which responds with a message sending the card datathrough the intranet to the device server. The device server, if thereis no basis for stopping the transaction, transmits an HTTP recordincluding card data back through the intranet 16 to the deviceapplication portion 84.

In one exemplary embodiment of the invention, the card input by a useror customer includes indicia which corresponds to an address associatedwith the user in the network. In such an embodiment the indiciacorresponds to a uniform resource locator (“URL”) address which providesinformation on the computer where the user information resides, as wellas a directory or subdirectory which includes the user information andthe name of the document or resource that includes the user information.The URL address may be encoded on a customer's card. The address may beencoded on track 3 of a magnetic stripe, in other locations within themagnetic stripe data or through encoding other readable indicia on thecard. Alternatively, if the customer's card is a “smart” card whichincludes semiconductor storage thereon, the URL address associated withthe customer may be included as part of the stored data on theintegrated circuit chip on the customer's card.

Alternatively, a URL could be derived from other data on the card byaccessing a database in which address data is correlated with other dataread from the card. For example, conventionally encoded magnetic stripecards include as part of the encoded account information identifyingindicia which indicates the institution or entity with which thecustomer's account is associated. For example, in the use of debit cardsthe card data includes a “bank identification number” (BIN). Exemplaryembodiments of the invention may include in operative connection withthe computer, a data store which includes data corresponding to BINnumber or other entity data identifying associated network address data.The machine may operate to resolve a network address for the customer's“home” institution in response to the identifying data. The machine mayuse the resolved address information from the card data, access theserver operated by the entity with which the user has an accountrelationship. As user later explained, this feature can be used topresent a customer with HTML documents or other type documents whichprovide interface screens and transaction flows from their familiar homeinstitution or entity, even though the machine they are operating is notcontrolled by that entity.

As can be appreciated from the following disclosure, the entity owningthe banking machine may be a totally independent entity from the entitywith which the customers have accounts. Nonetheless the customer isprovided with interface outputs which suggests that the machine is oneoperated by “their” particular bank or entity with whom they have anaccount relationship. The customer may be charged a transaction fee forthe convenience of using the banking machine. In exemplary embodiments,at least a portion of this fee will be shared between the customer'sinstitution and the entity operating the banking machine which providesthis capability.

The data necessary to derive the address for accessing documentsassociated with a customer could also be derived from inputs to readersor other input devices other than or in addition to card data, includingfor example biometric data which is input by a customer through abiometric reading device. Such biometric data may include for example,data corresponding to one or more fingerprints, data from the user'sappearance such as face or iris scan, inputs from a user's voice,including voice prints or spoken passwords, or combinations thereof.

For example and without limitation, data input by a customer such asthrough a card input to a card reader may correspond to or otherwise beuseable to determine an address for accessing an HTTP record, which maybe a file or document which includes information which can be used forverifying the identity of a user. This record could include datacorresponding to a PIN number. The information may include biometricdata corresponding to the authorized user of the card. The browser mayaccess the record and use the contents of the record such as data and/orinstructions to verify that the indicia corresponding to biometric datain the record corresponds to the biometric data of the user entering thecard. Alternatively, input data representative of appearance, voice,other features (or combinations thereof) or other input data, may beused to generate one or more addresses which correspond to a user, andthe content of the record at the accessed address used to verify thatthe user at the machine corresponds to the user associated with therecord. Numerous approaches within the scope of the invention may beused. The information in the record corresponding to a user may likewisebe used to authorize certain functional devices on the machine tooperate for the user while other devices may not. For example, a userwho is overdrawn may have information in the record accessed thatprevents them from actuating the cash dispenser, while users who are notoverdrawn may include information which enables such operation.Alternatively, the absence of information in a corresponding record mayenable operation, while the inclusion of information selectively limitsthe operation of devices.

Alternatively or in addition, in embodiments of the invention theinformation which is useable to determine the identity of the customerand/or their accounts may be usable by a computer in connection with themachine to generate documents such as XML documents. Such documents maybe used to generate outputs from the machine presented to the customer.Such documents may alternatively or additionally include informationcorresponding to one or more network addresses. Such network addressesmay be used to access documents appropriate for the particular customeror their transaction.

Returning to an exemplary transaction, the card data from a successfullyread card is delivered responsive to the programming of the deviceapplication portion 84 to a JAVA applet associated with notifying thatthe card data has been entered. In response, the JAVA applet operates togenerate JAVA script which configures the browser with the URL addresscorresponding to the data read from the card. The JAVA applet is alsopreferably operative to open a record schematically indicated 104concerning the transaction, which includes the user's network address,the time and other card data. This record in the exemplary embodimentmay be stored in memory as data in an object in software. The object ispreferably used to accumulate data as the transaction proceeds. The datastored in the transaction data object preferably includes data inputthrough input devices by the user as well as data representative ofoperations carried out by transaction function devices.

The record or transaction data object provides persistence through whatmay be several different transaction steps executed by the customer. Theability to use and share the data in a number of different operationsavoids the need to derive it or obtain it from a customer more than oncein the course of a user session involving a number of transaction steps.The use of a transaction data object enables applets to run largelyindependently, obtaining needed data from the transaction object. Thetransaction data object can be instantiated or accessed from variousdocuments. Its content can also be instantiated and used to populateforms presented in HTML documents. The record or data object may also beused to produce an appropriate record at the end of the transactionsession. This record may be stored, collected into a batch or deliveredto selected addresses in a local or wide area network.

In alternate forms of the invention the customer's card or other articlepresented by the customer to the banking machine may include additionalpersonal data concerning the customer. Such personal data may includedemographic and/or marketing preference data related to the customer.This personal data may also be read by the card reader and stored in thetransaction data object or other suitable storage. Such data may be usedby the system to make targeted marketing presentations and/or to presentother material specifically for the particular customer. The inclusionof personal data on the customer's card enables the customer to exercisegreater control over their personal data that is made available to themachine and to third parties who make marketing presentations to thecustomer. Such an approach may be used as an alternative or as anadjunct to systems that utilize a central repository of customerpersonal information. The approach of allowing the customer to controlwhat information about them is made available to others may be moreacceptable to customers from a privacy protection standpoint.

As schematically represented in FIG. 7, in the exemplary transaction inresponse to the browser 76 receiving the URL network address data, thebrowser is operative to transmit a message through the intranet 16 tothe proxy server 88. For purposes of this example, the network addressassociated with the card data is that of a customer associated with thehome bank which operates system 14. As a result, the customer's addresswill cause the message to be directed from the proxy server 88 to thehome HTTP server 90 and to access the address corresponding thereto.Alternatively, in other systems the connection may be made directly withserver 90 without the intervening proxy server 88. As previouslydiscussed, the network address may also include portions indicative ofdata representative of the devices which are operative in the ATM.

In the exemplary transaction in response to receiving the message, homeHTTP server 90 finds the data corresponding to the customer's addressdata (or other data) in its associated memory and delivers to thebrowser at its IF port one or more HTML documents. These HTML documentsmay include a screen acknowledging the particular customer by name aswell as the name of the banking institution or other entity whichoperates the home bank computer system 14.

In addition, the HTML document preferably includes embedded JAVA scriptwhich has a digital signature or a means to obtain a digital signatureassociated with the home HTTP server 90. The script instruction includedin the document in certain embodiments causes the device applicationportion to access an HTTP address on a server, which in the describedembodiment is server 90. The HTTP address corresponds to an HTTP recordwhich includes at least one instruction and preferably includes aprogram such as a JAVA applet or Active-X file. The instruction is usedto operate the appropriate transaction function device. The HTTP recordpreferably includes data representative of a signature, such as adigital signature. This digital signature is received responsive to theJAVA script 82 and processed in the device application portion 84. AJAVA applet processes the digital signature to authenticate it, and ifit is an acceptable signature authorizes operation of the bankingmachine. In certain embodiments the applet may compare the signature tosignature data stored in memory for a predetermined relationship, suchas a match. Of course other approaches of verifying the authority ofservers, documents or instructions to operate the machine or particulardevices therein may be used in embodiments of the invention.

After the applet verifies that HTTP server 90 or other accessed HTTPrecord has sent a proper digital signature, or other authorization, thetransaction will be allowed to continue. If for some reason a properdigital signature has not been sent, the JAVA applet will stop thetransaction and return banking machine 12 back to the condition prior tothe start of the transaction by connecting the ATM to the addressassociated with the attract mode in home server 90. The use of signedinstructions may be used to assure that the various transaction functiondevices are only operated in response to appropriate messages. The useof signed instructions may be particularly appropriate for instructionsthat run the sheet dispenser or otherwise provide value to the user ofthe machine.

For purposes of this example it will be assumed that the digitalsignature received is a proper signature, in which case a message isreturned from the browser 76 to home server 90 indicating that thetransaction may proceed. As shown in FIG. 8, in this exemplarytransaction the HTTP home server 90 then operates to deliver at leastone HTML document to the browser 76. This document includes instructionswhich when processed produce a visible page or screen which instructsthe customer to enter their personal identification number or PIN. ThisHTML document preferably includes embedded JAVA instructions or otherinstructions which operate to cause the device application portion 84enable the keyboard 40 of the ATM so the machine may receive the PINnumber. Such a message is schematically shown in FIG. 8 with the JAVAscript 82 signaling the JAVA applet responsible for the keyboard that ithas been requested to enable the keyboard. In response the JAVA appletin the device application portion 84 sends a message through theintranet 16 to the device server 92. The device server 92 sends amessage through the intranet to the device interfacing software portion64 in the ATM. The instructions in this message cause the devicesoftware to enable keyboard 40. The JAVA applet responsible for enablingthe keyboard is also preferably operative to update the transactionrecord 104 to indicate that the PIN was requested.

As shown in FIG. 9, the PIN entered through the keyboard 40 istransmitted in a message from the device interfacing software portion 64to the device server 92. The device server 92 returns a message to theresponsible JAVA applet in the device application portion. The JAVAapplet then operates to send a message back through the HTML documenthandling portion and the browser 76 to the HTTP address of home server90. This message includes data representative of the PIN input by thecustomer. In some embodiments it is not desirable to display thecustomer's PIN on the screen. In such embodiments the keyboard appletmay be operative to display a default character on the screen such as a“*” symbol or other symbol in lieu of the PIN digits. Further as laterdiscussed it may be desirable to avoid transmission of PIN or other datathrough the browser, in which case PIN data may be handled as a separateHTTP message or in other manner to reduce the risk of detection.

The software operating in connection with HTTP server 90 is thenoperative to either verify the PIN itself or to verify the customer'sPIN number and account number by sending it to the back office 94 andwaiting for a response. Alternatively, customer PIN verification may becarried out in the ATM through an appropriate applet. This can be donein situations where data on a customer's card, such as an accountnumber, or portions thereof can be correlated to the customer's PINnumber through an algorithm. The embedded JAVA script in the HTMLmessages may include or point to an address to obtain the data and/orinstructions which the applet may use to perform this verificationfunction, including certain encryption key data. This may include userinformation in the HTML document or other record data that was accessedin response to the user's card data. The BIN number read from thecustomer's card may alternatively be used as an indicator of theapproach to be used in verifying PIN data. As shown schematically inFIG. 9, the transaction data object 104 is also appropriately updated bythe applet to indicate the entry of the customer's PIN.

In alternative embodiments the machine may include a biometric readerdevice or other reader type input device to accept data from a user. Theuser may input data through such a device which may be used in lieu of,or in addition to, PIN data to verify that the user is an authorizeduser. This may be done for example by comparing the user data input toinformation corresponding to the authorized user of the card included ina record or a document which has an HTTP address and is accessed by abrowser or by an HTTP client application through an HTTP server inresponse to card data. Alternatively input data may be used to generateaddresses for documents or records which are accessed by the browser orclient, and which records or documents contain information that is usedto verify the user's identity. For example, data concerning users may bestored in a data store in connection with an HTTP server, which deliversdata from a record responsive to the user data, which data is used toverify the user's identity.

It should be noted that the page or screen which requests the customerto enter their PIN is shown generated from the home HTTP server 90. Thisis preferably a screen that is associated with the particular URLaddress associated with the customer. This will be the interface of thecustomer's home bank and will be familiar to the customer.Alternatively, the customer address may access what may be essentiallythe customer's personal “home page” with the institution that operatescomputer system 14. As such, it is not only something the user isfamiliar with, but is ideally tailored to the user's particulartransaction needs.

Alternatively, the document(s) or record(s) which contain the customerdata may be used to generate the addresses for other documents. Theinformation may also be used by the computer to dynamically generate adocument for the particular customer in the particular circumstances.This approach may be useful to reduce the effort associated withdeveloping in advance a personal visual page or document for eachcustomer.

Approaches for accomplishing this may involve including various types orcategories of user information in the document(s) or record(s) thatpertain to a particular customer. This may include information such asgender, related persons, account types, permitted transactions, customerpreferences, customer interests, account balances, previous offersdeclined or accepted and other information. This customer informationcan be used by an appropriate applet among applets 86 to address and/orgenerate an appropriate document for the browser to access based on thecustomer “profile.” In addition, the profile applet may take intoconsideration the transaction devices present in the particular machine,information on which is stored in a data store in the machine orelsewhere in the system, as well as other factors such as the day of theweek and time of day based on a system clock. In this way the machinedetermines the appropriate document to access or generate for theparticular customer under the particular circumstances. As previouslydiscussed some personal data may be obtained from information encoded onthe customer's card.

The logic used in the profile applet may act to cause documents to bebuilt or accessed for the customer which include transaction optionsbased on the customer information, information about the terminal andother factors. The profile applet may operate to offer transactionoptions or information selectively based on the customer information.For example, the operator of the machine may offer incentives, premiums,additional transaction options or advertising information selectively tocustomers. Certain types of customers of the institution operating themachine may receive screen outputs with options that encourage them todo more business or different types of business with the institution.Likewise, customers that are identified as customers of foreigninstitutions may be provided with incentives to do business with theinstitution operating the machine.

The profile applet may operate to cause the computer to access otherdocuments in other servers, such as stock market data, and selectivelyprovide it to customers. It should be understood that the profile appletmay operate to determine an address or generate documents to produceinitial display screens of a transaction sequence. The profile appletmay also operate to provide information or access or produce documentswhich generate visual outputs to the customer at other points in atransaction or between transactions. This may further be used in systemsin which the operator of the machine is able to sell paid advertising tothird parties and then access the HTTP records such as HTML filescorresponding to those third parties' products or services. Suchaccessing may be done based on a periodic or other basis, but may bedone effectively by selecting the HTTP record to access in response tothe profile of the particular customer. As later described, advertisingdocuments may be accessed from advertising servers connected to thenetwork. Advertising materials may be delivered to customers from themachine at various times during transactions, such as between stepscontrolled by documents from the server operated by the customer'sinstitution. Advertising materials may be displayed when transactionfunction devices, such as a sheet dispenser are operated. The operatorof the machine and/or a system in which the machine is connected, mayalso require payment from advertisers for presenting the advertisingmaterials.

The continuation of the transaction flow from the point represented inFIG. 9 for this exemplary transaction by a customer of the institutionthat operates computer network 14, is schematically represented in FIG.10. The home HTTP server 90 is operative in response to the customerinputting the correct PIN to send HTML documents to the HTML documenthandling portion of the software in the computer which operates the ATM.These messages may include information and instructions used to generatescreens which prompt the customer to select a transaction. For purposesof this example, it will be assumed that the customer inputs at thetouch screen 30 a selection which corresponds to the dispense of cash,which is a common transaction at an automated banking machine.

The selection of the customer through the input device of the touchscreen is communicated back through the HTML document handling portionwhich communicates an HTTP message to the home HTTP server 90. Server 90then responds by sending another HTML document to the banking machinewhich prompts the customer to select an amount. Again the customer mayinput a selection on the touch screen which indicates the amount of cashrequested by the customer. This HTTP message passes through the HTMLdocument handling portion and the browser 76 to the home server 90.

In response to the receipt of amount data from the customer, the homeserver 90 is preferably operative to communicate electronically with theback office 94 to verify that the customer has the amount requested intheir account. This may be accomplished through a Common GatewayInterface (CGI) 106 which is in operative connection with the homeserver 90. For purposes of this transaction it will be assumed that theback office 94 indicates that the money is available in the customer'saccount and sends a message through the CGI 106 to the home server 90indicating that it may proceed.

As schematically represented in FIG. 11, the home server 90 thenoperates to send a document back to the HTML document handling portionin the ATM software. This message when processed by the browserpreferably will cause information to be displayed on the screen whichadvises the customer that the transaction is being processed. Inaddition the HTML document returned preferably includes JAVA scriptwhich includes embedded instructions which are executed and communicatedto a JAVA applet associated with the operation of the sheet dispensingmechanism 42.

The document returned from the home server 90 may include advertising orother information instead of or in addition to the customer message. Thedocument returned may also include an instruction which causes themachine to access or generate another document. These instructions mayinvoke methods in the profile applet which depend on the propertiesassociated with the customer, the machine, the current time and/or othercircumstances. This enables accessing documents that provide promotionalmessages such as advertising or other information to the customer whilethe customer is waiting for the sheet dispenser or other transactionfunction device in the machine to operate. It should be understood thatthese documents may be accessed from servers connected to the systemanywhere, including servers connected to the Internet. This makes itpossible to selectively present a wide range of materials to customers.It also enables operators of ATMs and other transaction machines topresent advertising to customers, on a broad basis, or targeted tocategories of customers or even targeted to individual customers on asegment of one basis. This could be advertising of the machine operatorsuch as a bank, or advertising pertaining to virtually any type of goodsor services. The advertising may also be selectively presented based onthe particular transaction device being operated, the amount of fundsinvolved or other parameters. The documents may also enable thepresentation of video and sound to the customer which may enhance theeffectiveness of promotions. Access to advertising documents may betracked and payments made to the customer's institution, the operator ofthe system and/or the owner of the machine, by the entity associatedwith the advertising materials presented to the customers.

In the exemplary embodiment, the message to the JAVA applet in thedevice application portion 84 of the software to enable operation of thesheet dispenser results in generation of a message to the device server92. The message to the device server 92 to dispense cash is preferablyanalyzed by the monitor software 102 to check to see if the message isappropriate. For example the monitor software 102 is preferablyoperative to assure that the amount of cash being requested does notexceed a preset amount. It can also optionally check to verify that theamount provided to this customer within a prior period has not exceededan amount. This may be done by the device server sending a message tothe back office which includes the card data or other data it haspreviously received from or resolved concerning this customer. Thismessage may pass through server 90 and its associated CGI, or otherconnection. Assuming that the dispense instruction is not prevented by amessage from the back office or the monitor software, the device server92 is operative to send a dispense message to the device interfacingsoftware portion 64 in the ATM. The software portion 64 is thereafteroperative responsive to the message to operate the sheet dispensingmechanism 42 to dispense the amount of cash requested by the customer.

The monitor software 102 preferably performs additional functions in thedevice server. For example, government regulations or good businesspractice may require limiting the size and amounts of deposits which maybe made into an ATM. This may be advisable to prevent “money laundering”or other suspicious activities. The monitor software preferably operatesto limit the amount of any single deposit to below a set limit. It mayfurther operate by communicating with the home bank back office system94 to prevent a series of deposits within a preset time from exceeding acertain limit. The monitor software may also work in connection with theproxy server to limit certain transactions that may be carried on at thebanking machine responsive to instructions from foreign servers as laterdiscussed.

It should be noted that in this exemplary embodiment of the invention,the JAVA applet which is operative to send the message which causes cashto be dispensed; works in connection with another applet which controlsthe mix of bills dispensed to a customer. Many automated teller machineshave the ability to dispense two or more denominations of currencybills. It is desirable to control the mix of bills dispensed to acustomer to suit that which is available in the machine and to avoidrunning out of one denomination of bills before the other. The bill mixapplet is preferably operable to control the bill mix in accordance withthe desires of the institution operating the ATM machine as well as isin accordance with the ATM machine's capabilities. Alternatively, a JAVAapplet for controlling bill mix may reside in device program 70 indevice interfacing software portion 64.

As will be appreciated by those skilled in the art, the particular JAVAapplets and/or configuration data in the machine may be selectivelyloaded from the home server 90 at machine start up or at other times.Because the applets and configuration data may be selectively deliveredto particular machines, the machines may be tailored specifically to theparticular currency dispensing and other capabilities of the ATM. Forexample, the ATM may be configured so that certain applets or groups ofapplets must be present to enable the machine to operate. One approachto loading such data or programs is to provide address values in theterminal software to indicate where the needed instructions to acquirethe applets or data may be obtained. If the applets or groups of appletsare not already present in memory of the ATM terminal at start up, thesoftware is operative to access the system addresses for the documentswhich contain the required records or instructions which will cause themachine to load the required records. A browser may be used to accessthe addresses, and the software loads data corresponding to theinstructions from the accessed documents into a memory in the ATMterminal so that the terminal has the required applets and data. Suchdocument addresses may be accessible through the home server 90.

Alternatively the addresses may be on a separate development serverconnected to the intranet 16. In this way each transaction machine isable to load the applets and data which include the operative codeneeded to operate the transaction devices in the machine. Alternatively,the documents may be provided through a development server or otherserver that is accessible to the machine through a wide area network.The documents may be provided on the development server to provide themachine with instructions on how to acquire the operating code to carryout a wide variety of functions. The instructions may direct the machineto acquire the necessary data and code from addresses accessible throughHTTP servers by an HTTP client in the machine. The data and code can beacquired responsive to instructions in one or several documents. Themachine may also require that the applets loaded in this manner besigned applets including digital signatures or other authenticatingfeatures to achieve operation of certain devices in the machines.

Alternatively, embodiments of the invention may acquire the necessaryapplets and data from a remote data store. The data store preferablyincludes the data and/or programs that enable the machine to operate asdesired, or have instructions on where the machine may acquire thenecessary instructions and data for operation. The data may beaccessible from a database server. The transaction machine addresses aquery to the database server. The query includes or is accompanied byindicia from the machine which identifies the machine. This may be theparticular machine such as a machine number, and/or may include indiciarepresentative of the type or functional device capabilities of themachine.

The data store preferably includes records which have the data orprograms that are to be transmitted to the machine. In response to thequery to the server, the server retrieves records from the data storeand responsive thereto delivers one or more messages to the HTTP clientin the transaction machine. The message(s) includes the configurationdata or applets to enable the machine to operate in the manner desiredor may include instructions which indicate how the machine is to acquiresuch programs from servers connected in the system.

In the example shown the configuration server and data store may operateon the same computer as home bank server 90. In other embodiments thedatabase server may reside elsewhere in the networks to which themachine is operatively connected.

An advantage of the machines and systems which employ such features isthe flexibility to change the operation and customer interface of themachine to respond to changing conditions. This may include a change ina transaction function device. Conditions may change so that certaintransactions are limited or are not available. For example, a machinemay normally accept deposits but its depository is full. In thatsituation the machine may change the documents it accesses to presentmessages to users through its output devices so that the deposit optionis no longer offered. This can be accomplished by the applets and dataloaded into the machine initially, which provide for instructions whensuch event is sensed. Alternatively, the machine programming may bemodified by loading new applets and/or data from an HTTP serverresponsive to its then current status. This may be done responsive to aquery to a database server which includes or is accompanied by datarepresentative of the changed conditions or capabilities of the machine.In response the server delivers the applet(s), data and/or instructionswhich will operate the machine in the modified mode.

This approach eliminates the situation with conventional transactionmachines where the static interface presentation on output devicesoffers a transaction option to a customer. Sometimes, after the customerhas made the selection an indication is given that the selectedtransaction option is not available. The approach described herein maybe used with numerous transaction options and variations oftransactions. The transaction options can be readily changed from thedatabase server on a machine by machine basis or even a customer bycustomer basis as previously discussed, based on the desires of theentity operating the transaction machine.

The discussion of the exemplary transaction will now be continued fromthe point schematically represented in FIG. 11. In response to the cashdispenser 42 dispensing the requested amount of cash, device interfacingsoftware program 64 preferably operates to send a dispense operationmessage confirming the dispense back to the JAVA applet responsible forthe dispense in the device application program 84. As represented inFIG. 12, the particular applet is operative to update the transactionrecord 104 to indicate the dispense of currency to the customer in theparticular amount. The embedded JAVA script instructions which wereoperative to cause the dispense of currency to the customer, alsopreferably include instructions to send a confirming message back to thehome server 90 that the dispense is complete. The receipt of thedispense operation message indicating the cash was dispensed causes theJAVA applet to configure the HTML document handling portion to send adevice response message back to the home server. The home server then ispreferably operated in accordance with its programming to indicate tothe back office 94 that the customer received the amount of fundsdispensed. This amount is deducted from the customer's account in therecords maintained by the back office system.

Generally during a transaction it is common to ask the customer if theywish to have a receipt for the transaction. This may be done at varioustimes during the transaction flow. In the present example, after thecash has been dispensed the customer operating the machine is sent sucha message as reflected in FIG. 13. The home server 90 is operative tosend an HTML document which when processed by the browser produces ascreen asking the customer if they would like a receipt. This message isdisplayed as part of a page on the touch screen 30 responsive to receiptof the message through the browser 76. Alternatively the document may begenerated by the machine. In response to the customer indicating thatthey either do or do not want a receipt, a message is returned to thehome server. Again it should be understood that the screens displayed tothe customer are preferably those that the customer is accustomed tofrom his or her home institution, and may be a part of his or her uniquehome page.

Assuming that the customer wishes to receive a transaction receipt, thehome server 90 in the exemplary embodiment operates as shown in FIG. 14to send a document back to the ATM with embedded JAVA script indicatingthat a transaction receipt is to be printed. These instructions in JAVAscript are communicated to the device application portion 84 which sendsa TCP/IP message through the intranet to the device server 92. Thedevice server 92 in turn communicates a message with instructions to thedevice interfacing software portion 64 in the ATM. In response toreceiving the message, software portion 64 is operative to cause theprinter 46 to print the customer's transaction receipt. The JAVA appletresponsible for enabling the printer is also preferably operative toupdate the transaction data object or record 104. As later discussed,the applet which controls the printing of the receipt may obtain thedata used in printing the receipt from the transaction data object.

It should be understood that even if the customer does not wish to havea receipt it may be desirable to print a record of the transaction inhard copy through the journal printer 48. This may be accomplished inresponse to imbedded instructions which are part of the same documentfrom the home server 90 which causes the transaction receipt for thecustomer to be printed, or may be part of a separate document whichindicates that the customer has declined the option to receive atransaction receipt. Alternatively, the journal printer may be actuatedresponsive to other applets such as the applet which causes the dispenseof cash, or in another manner chosen by the operator of the ATM.Alternatively or in addition, an electronic record of the informationconcerning the transaction may be stored in a data store. Suchinformation may later be recovered remotely from the machine, from othersystem addresses. As will be appreciated from the foregoing description,the operation of the exemplary embodiment of the ATM is inherentlyflexible and programmable to meet the needs of the system operator.

As shown in FIG. 15 upon completion of the printing of the transactionreceipt, the software portion 64 is preferably operative to send adevice operation message to the device server 92 which is indicativethat the requested device function was carried out successfully. Thedevice server 92 is operative to send a corresponding device operationmessage to the device application portion 84, and in the exemplaryembodiment to the particular JAVA applet responsible for the printing ofthe receipt. The JAVA applet in turn configures the HTML documenthandling portion to generate a message back to the home server in theform of a device response message to indicate that the receipt wasprinted for the customer.

Having received cash and a receipt, the customer is then prompted by adisplay screen generated from an HTML document from the home server 90,to indicate whether they wish to conduct another transaction. The visualpage or screen prompting the customer in this regard is displayed on thetouch screen 30. For purposes of this example it will be assumed thatthe customer does not want another transaction and a message to thateffect is returned through the HTML document handling portion back tothe home server 90.

As shown schematically in FIG. 17 in response to receiving a messagethat the customer is done, the home server 90 is operative to send a “gohome” message to the ATM. This message preferably includes an HTMLdocument which when processed by the browser produces a screen displaythanking the customer. This message also preferably includes embeddedJAVA script which calls the JAVA applet which eventually returns theHTML document handling portion of the ATM back into connection with theURL address on the home server 90 or other network address whichprovides the documents that are used to output the messages for the socalled “attract mode.” It should be remembered that the script orinstructions included in documents used in some embodiments may operateto cause a message to be sent from the document handling portion to anaddress on the home server which causes a corresponding HTTP recordincluding the instructions comprising the desired applet to load.

As schematically indicated in FIG. 18, the “go home” command applet isoperative to configure the browser 76. After the HTML document handlingportion is configured by the JAVA applet to return home, the JAVA appletmay be configured to deliver to home server 90 information from thetransaction record 104 concerning the transaction that was justcompleted. Because the exemplary transaction was with a customer of theinstitution that operates the computer system 14, all the dataconcerning that transaction should already be recorded in the backoffice 94. However it will be appreciated that this will not be the caseif the transaction was conducted in response to messages from a serveroperated by a different institution. Also this may not be the case withcertain types of transactions such as some credit card transactions,where an authorization is provided during the transactions, and at alater time transaction details are sent for purposes of settlement.Thus, all or a portion of the information from the transaction record104 may be delivered in response to a “go home” command to the homeserver 90 and through the CGI to the back office system 94 where it canbe identified as duplicate information and discarded. This may be doneusing remote method invocation (RMI) to pass or deliver the object toserver 90 and then transmitting the data through messages from theserver to the back office, or through messages or other techniques.

Of course in other embodiments transaction information may be stored ina database for extended periods rather than being returned after eachtransaction. Alternatively the ATM 12 of the present invention mayinclude applets which are operable to deliver transaction recordinformation to addresses other than that of the home server, if that isdesired by the operator of system 14. The computer may be configuredthrough an appropriate applet or other instructions to deliver thestored transaction record data to selected network addresses in thesystem. Such record data may be delivered in encrypted form asappropriate for the particular system. Such record data may be deliveredthrough the document handling portion of the banking machine. Inalternative embodiments such data may be delivered through a separateserver component operating in a computer associated with an automatedbanking machine. By accessing this record data the machine operator orother settlement authority may recover record data relating totransactions. Such data may also be used for recovering data that isused for determining the number and types of transactions conducted atthe machine involving other institutions and/or transaction feesassociated therewith. Such information may also include information onadvertising materials presented to customers. Such information may beprocessed and used as the basis for sharing transaction fees orreceiving payment from advertising entities.

The operation of an exemplary computer system when a “foreign” user usesthe ATM 12 is graphically represented with regard to FIGS. 19 through24. A transaction with a foreign user who is not a customer of theinstitution that operates ATM 12 and computer system 14, will beoperated under the control of the home server 90 and will proceed in themanner of the prior example through the point where the customer inputstheir card. The customer inputs a card having indicia corresponding to anetwork address that does not correspond to the home server 90. The HTMLdocument handling portion is operative to configure a message addressedto access a URL address that corresponds to the indicia on thecustomer's card or other address responsive to such indicia. Forexample, the network address may be based on the BIN number encoded on acustomer's card. The BIN number can be correlated with an entry in aFinancial Institution Table (FIT) or similar cross reference fordetermining network address data and/or other parameters. This messageis delivered to the proxy server 88 which in turn passes the message tothe wide area network 18. From the wide area network the messageproceeds to the foreign server corresponding to the customer's URLaddress. For purposes of this example the foreign server corresponds toserver 96 which is connected to the Internet.

In the exemplary embodiment of the invention proxy server 88 includesscreening software graphically indicated 107. Screening software ispreferably operable to check addresses to which messages are beingdirected by the ATM and to selectively prevent the sending of messagesto particular addresses. This serves as a “fire wall” and is desirablefor purposes of preventing fraud in the system.

As shown in FIG. 20, the foreign server 96 is preferably operable tocommunicate HTTP messages, including HTML documents, to the ATM 12 backthrough the wide area network 18. This may be done using a secure socketconnection (“SSC”) so as to minimize the risk of interception of themessages. Of course other techniques, including message encryptiontechniques may be used to minimize the risk of interception of themessages.

As schematically represented in FIG. 20 the response document fromforeign server 96 preferably includes embedded JAVA script isrepresentative of or corresponds to a digital signature which identifiesthe foreign server 96. This may be accomplished by loading an HTTPrecord including a signed applet, as previously discussed. An applet inapplication portion 84 in the ATM preferably operates to verify thedigital signature in the manner described in the prior example, andsends a message indicating that the transaction has been authorized. Thedigital identity of the foreign institution will be stored in memory inthe ATM for example in the transaction record data, and eventually isrecorded in the back office 94.

It should be noted that the HTML documents from the foreign server 96include instructions so that when they are processed by the browser, thevisual pages or screens of the foreign institution which the foreigncustomer is accustomed to seeing are output. These pages may correspondto a foreign user's “home page” which are tailored specifically to theneeds of the particular user.

FIG. 21 shows a schematic example of a document accessed through theforeign server 96 and delivered to the ATM 12. The document from theforeign server may include embedded JAVA script which enables operationof the JAVA applets in the manner previously discussed to operate thedevices 36 in the ATM. As shown in FIG. 21 the TCP/IP messages to thedevices from the JAVA applets pass from the device application portion84 to the device server 92, and the instructions therefrom are passed tothe device interfacing software portion 64 in the ATM. Device operationmessages take a reverse path. As these messages pass through the deviceserver 92, monitor software 102 monitors them to minimize the risk offraud or abuse.

As indicated in FIG. 21, the documents from the foreign server 96 may beoperative to output through the touch screen 30 a request for thecustomer to input their PIN. The embedded JAVA script instructionswould, as in the sample transaction previously discussed, includeinstructions that enable the keyboard 40 to accept the customer's PIN.As in the prior example, a transaction record 104 which includes ashared data object concerning this transaction would be opened by thedevice application software portion. As previously discussed, provisionsmay be made to prevent the passage of PIN data through the browser ifdesired.

FIG. 22 indicates the return of the device operation message and PINdata to the JAVA applet, which in turn transmits the data back to theforeign server 96 through the wide area network 18 using the securesocket connection. From this point the transaction proceeds generally aspreviously described, except that the foreign server 96 sends the HTTPrecords, including HTML documents, and receives the messages from thedocument handling portion of the ATM. The foreign server 96 includes theJAVA application software necessary to include the embedded JAVA scriptin the documents that are sent to the ATM to operate the devices 36 inthe machine.

As the foreign server 96 operates the machine, the monitor software 102in the device server 92 is operative to monitor the messages in themanner previously discussed. Such monitoring would for example, operateto prevent the dispense of unduly large amounts of currency out of themachine. The monitoring software may also operate to restrict certainforeign institutions to a subset of the transaction machine devices orcapabilities. This is done based on data stored in memory which limitsthe devices or activities that can be carried out from documents atcertain addresses. This may be achieved for example through the use ofcode plug-ins which implement a class of the transaction objects whichlimits the operations that can be performed. For example, the operationswhich enable connection to the foreign server may instantiate theobjects which provide specified limited capabilities for messagesreceived from the foreign server. This may for example limit the amountof money dispensed, prevent operation of a check acceptance device,limit the dispense to printed documents such as tickets, preventoperation of the cash dispenser or limit use of the machine in otherappropriate ways. This may be done based on the addresses or portions ofaddresses for documents.

If the capabilities of the machine exposed to the foreign customer arelimited, the foreign customer may be provided with a visual interfacefrom the foreign bank based on the transactions the machine can performand that the owner of the machine will allow. As a result the documentsaccessed at the foreign bank server may be a variation of what thecustomer would be provided at a machine operated by the foreign bank.This could be based on documents specifically developed for operatingforeign machines, or could be a variant of the usual foreign bankinterface with visual indications that certain transactions are notavailable. In some instances the interface may indicate that sometransactions are available with an associated service charge.

The ATM of the described embodiment may enhance security by limiting theaddresses that the browser may access. This may be done by maintaining alist in the memory of the machine. This list may be maintained in HTTPrecord(s) (including documents) accessible through the home bank'sintranet. The machine may access the record periodically and update thememory data. This record may itself require a digital signaturecorresponding to a signature in the terminal memory before the data willbe loaded into terminal memory. This information may also include theinstructions and information for the ATM to verify that the messages itreceives by accessing documents on the foreign server are genuine. Thismay include digital signatures which when transferred using public keyor private key encryption techniques verify the messages as genuine. Themachine checks to be sure the signature in the records accessed from theforeign server corresponds to the digital signature for that addressstored in memory, and enables operation of transaction devices, such asthe cash dispenser, only when such correspondence is present. Of coursevarious approaches to verifying and encrypting messages may be used invarious embodiments. As used herein signatures or signed recordsencompass any indicia which is included in or is derivable from a recordwhich is indicative that it is authorized.

As can also be appreciated from the foregoing disclosure, the foreignserver 96 may communicate to the user with outputs through the touchscreen in a language that is different from that normally used by thecustomers of the institution that operates the computer system 14. As aresult the HTML documents may cause the display of requests to dispensecurrency of a type or in an amount which is not included in the ATM. Toaccommodate this situation an applet may be included in the deviceapplication portion 84 to deal with requests for foreign currency. Theforeign currency applet causes the ATM to send a message back to itshome server for purposes of calculating a closest amount which may beprovided to the customer in the available currency in the ATM whichcorresponds to what the customer requested. As will be appreciated, thisapplet will be operative to call the particular function address withinthe home server 90 that is capable of providing this function. When thedispense is made the applet is also operative to indicate to server 96that the amount dispensed differs somewhat from the amount the customerrequested. Of course in other embodiments, other approaches may be used.Alternatively an applet in the machine may generate visual displays thatshow equivalents in local currency when foreign currency amounts aredisplayed or processed. This may include presenting both amounts onvisual displays presented to a user. Alternatively additional browsersoperating in the bank machine as later discussed may produce visualoutputs that advise the user of information such as exchange rates orother information pertinent to the customer's transaction.

As represented in FIG. 23, when the foreign customer has completed theirtransactions as indicated through the touch screen 30, the foreignserver 96 is operative to send the “go home” message back to the ATM.The receipt of this message is operative in the manner previouslydescribed to cause the device application portion 84 to operateresponsive to the embedded JAVA script instructions to configure theHTML document handling portion to cause the browser 76 to reestablishcommunication with the home server 90, or other designated documentaddress.

As indicated in FIG. 24 the applet in the device application portion 84which processes the “go home” message is preferably operative toreconnect to the home server 90 as well as to send the transactionrecord information in record 104. This transaction record informationwhich in an exemplary embodiment is packaged in a data object, includesthe customer name, the foreign institution name, digital identifier,amount information concerning amounts dispensed, transferred ordeposited, and all other pertinent transaction data. The transactiondata is used by applets in performing transaction steps in which anyportion of the data is required. At the completion of the customer'sactivity at the machine an applet provides a transaction data messagewhich includes at least a portion of the collected data. This data iscommunicated from server 90 through the CGI 106 to the home bank's backoffice 94. This information is stored in the back office for later usefor purposes of settlement with the foreign bank operating the foreignserver 96. Alternatively or in addition, transaction data may berecorded in the terminal in memory such as in an electronic journal aswell as in hard copy on a journal printer. Transaction data may bestored for downloading in a batch or by passing objects including datafrom many transactions. Objects can be instantiated from a remote serversuch as by remote method invocation. Batch data may be communicated attimes and to addresses as may be stored in memory in the terminalconfiguration data.

An advantage of embodiments is that transaction data may be delivered toaddresses in a local area network or in a wide area network such as theInternet. This facilitates conducting wide varieties of transactions andenables directing messages related to tracking use (such as forelectronic purse type smart cards) or for settlement of varioustransaction types to a selected system address.

It will be appreciated that the described embodiment of the automatedbanking machine and system provides the advantage that when the machineis connected to a wide area network such as the Internet, customers areable to carry out their banking transactions virtually anywhere in theworld. Further, despite the broad capabilities of the system, becausethe machine may be monitored locally, both in terms of connection andactivity, the risk of fraud is minimized.

Embodiments of the invention may include a further feature to facilitateaccess to documents in the network to which the machine is connected.This feature is operative to determine if an HTTP record such as an HTMLdocument or other item is accessible at an address for downloadingbefore the computer will attempt to access the record. This avoidstransaction time outs that might otherwise occur as a result ofinability to access a record due to the server through which the recordis normally accessed being down. Other embodiments may consider both thesize of the record and the transfer rate and determine that a transferspeed for the record is not sufficiently rapid, so that an alternativerecord should be transferred.

In one embodiment this feature is achieved through use of a separateprogram or applet which checks to see if a server that the computer willsubsequently want to access is alive. The applet operates responsive toreceiving an address or portion thereof, to which a connection will bemade. The applet operates to make a socket connection to the address andloads a small but sufficient amount of the record or otherwise operatesto determine that the server through which the record must be accessedis alive. In response to the applet verifying the operation of theremote server, or otherwise determining that conditions indicative thatthe record may be accessed or loaded, the computer then operates so thatthe browser or similar software component is enabled to navigate to theaddress at the appropriate time in the transaction sequence. If theapplet is unable to detect that the remote server is alive, ordetermines that it does not appear the record may be successfullyaccessed or loaded, steps may be taken to access alternative addresses,generate another output or to discontinue the transaction. Alternativeaddresses to access may be based on data stored in the memory of theterminal or may be obtained by accessing documents either locally orremotely which include data from which alternative addresses may beobtained or derived. Alternative addresses are similarly checked to makea determination that the records can be accessed before attempts aremade to access the alternative records. This approach avoids delays incarrying out transactions.

Alternative embodiments may employ other approaches to determine ifdesired HTTP records such as HTML documents may be successfully accessedand/or downloaded adequately before the browser providing the customerinterface attempts to access the document. Such embodiments may considerin determining whether the document can be successfully accessed, thetransfer speed or other conditions related to system operation ordocument content. For example, the applet which tests to determine thatthe HTTP record can be accessed, or a further applet, may determine thetransfer rate at which the record can be transferred to the computer.The rate at which the data can be transferred may be compared to datastored in memory, and if the rate is slower than the data representativeof the desired stored rate an alternative record is accessed. This maybe for example an HTML document stored or generated locally in themachine. Other embodiments may include programs which consider the sizeof the HTTP record and the transfer rate in determining a transferspeed. Such programs then determine if the record can be transferredfast enough to suit the parameters established in the configuration inmemory, and if not, alternative addresses are accessed. Such alternativerecords may be similarly tested for transfer speed before beingtransferred.

Programs may also consider other factors in deciding to access aparticular address, such factors may include for example day and timeinformation, or information from sensors such as sensors in a floor orvideo imaging systems indicating that other persons are waiting to usethe machine. In this way access to documents that have extensive outputswhich may tend to prolong transactions can be avoided even when recordscan be loaded at an adequate speed.

In alternative embodiments of the invention multiple browsers may beoperated in the computer(s) of the ATM for purposes of processinginstructions in documents. Some browsers may operate to processinstructions and may not provide outputs that may be perceived by usersof the machine. Such browsers may be operated to provide instructionsthat are used for operating transaction function devices. For example, abrowser which does not produce an output which is visible on a display,may process documents which produce outputs that are operative to causea printer to produce printed documents.

Other embodiments may operate multiple browsers which provide outputswhich can be perceived by customers operating the machine. For example,multiple browsers which are each capable of providing visual (and/oraudio) outputs may be operated in respective servers in the machinesimultaneously to process documents and provide simultaneous outputs tothe user. Such browsers may also process instructions for operatingtransaction function devices. This may provide the capability for amachine to conduct simultaneous transaction types.

In an exemplary embodiment an ATM has operating therein five (5) visiblebrowsers. Each of these browsers is capable of providing a visibleoutput on the screen of the ATM. FIG. 32 shows an exemplary outputscreen 196 in which each of the browsers produces a visible output. Themain browser output 198 is shown centered on the screen. The mainbrowser output 198 is flanked vertically by a top browser output 200 anda bottom browser output 202. The main browser output is flankedhorizontally by a left browser output 204 and a right browser output206. Each of these browsers are capable of processing documents andcommunicating with network addresses in the manner previously discussed.Some or all of the browsers may also be operative to pass instructionsso as to control transaction function devices in the machine.Alternatively, some browsers may be used primarily to provide outputs tothe customer and may not be configured to utilize instructions inaccessed documents to operate certain devices in the machine.

In the exemplary embodiment, all five (5) browsers are operated althoughthey may not all provide visible outputs. Initially only the output 198from the main browser is made visible. The other browsers are madevisible using a “show” method which identifies the browser output size.This is done in response to show and size instructions included indocuments such as HTML documents. Such instructions are preferablyincluded in documents accessed by the main browser, but may be indocuments accessed by other browsers. In the exemplary embodimentbrowser size is defined by a single thickness indicator. In the case ofthe “top” and “bottom” browsers, thickness refers to a verticaldimension from the adjacent top or bottom edge of the display,respectively. In the case of the “left” and “right” browsers, thethickness is a horizontal thickness from the respective adjacent edge ofthe screen. In the exemplary embodiment the output of the main browseris resited automatically to fill the remaining visible space on thescreen not occupied by the outputs of the other browsers. In thisembodiment the top and bottom browsers when activated occupy the entirewidth of the screen, while the left and right browsers occupy the spacebetween the top and bottom browser outputs if visible. Other approachesmay be used in alternative embodiments.

The use of multiple visible browsers provides the capabilities ofproviding multiple simultaneous visible outputs based on differentdocuments accessed at different network addresses. This also enables thedevelopment of applications providing a series of documents that enablemaking outputs produced from documents visible at various selectedpoints in a transaction sequence. Such capabilities may be particularlyuseful in presenting advertising or promotional materials to customersduring a transaction. Such capabilities may also be useful fordisplaying messages in multiple languages for operating the machine.Such capabilities may also be useful in presenting exchange rateinformation in transactions involving a cardholder from a differentcountry or in conducting currency exchange transactions. The outputs ofmultiple browsers might also be useful in displaying to the customerdocuments generated for the customer or documents including informationof particular interest to the customer such as the current status ofparticular stocks or investment opportunities.

FIGS. 33 through 35 show examples of screens generated in the exemplaryembodiment when certain different browsers are used to produce visibleoutputs on a screen. FIG. 33 shows a screen 208 in which the leftbrowser output 204 and the top browser output 200 are visible with themain browser output. FIG. 34 shows a screen 210 in which the top browseroutput 200 and the bottom browser output 202 are visible with the mainbrowser output 198. FIG. 35 shows a screen 212 which the right browseroutput 206 and the main browser output 198 are visible. It should beunderstood that many variations of screens are possible and that suchscreens may include configurations in which the main browser output isnot visible.

As can be appreciated, the operation of multiple browsers in the machineenables carrying out simultaneous transactions. For example, a user maybe provided with the opportunity to acquire goods or services throughdocuments processed by one of the browsers while a banking transactionis in progress. Such a browser may work in connection with the othercomponents or the machine as previously discussed, to enable operationof and to receive inputs through various transaction function devices.Such inputs may include inputs accepting or declining offers to purchasegoods or services. The transaction data object may also be invoked bythe applications operating the other browsers to make such offers. Thisenables delivery of account data associated with the user which waspreviously obtained in connection with a banking transaction. This alsoenables the customer to conveniently elect to pay using the accountcurrently involved in a transaction. Each browser may also develop itsown transaction data object or records to use for purposes ofaccomplishing settlement, as well as for storing data concerning whatoccurred during a transaction.

While the exemplary embodiment of the invention has been described inconnection with using multiple browsers to display information in thecourse of a banking transaction and to enable multiple transactions tobe ongoing simultaneously, it should be understood that the use ofmultiple browsers providing visible and non visible outputs may be usedfor numerous and varied purposes that are within the scope of thepresent invention.

While the described embodiment of the automated banking machine andsystem of the present invention is shown with regard to a particulartype of machine that is made specifically for connectibility to local orwide area networks, conventional automated banking machines may also beadapted to include such capability. Specifically the document handlingportion and device application portion may be included with otherconventional software which operates within one or more computers inoperative connection with an automated banking machine. This enablessuch ATMs to operate either in the conventional proprietary network oras part of a wide area network. In addition, automated banking machinesmay be configured to operate their devices through the deviceinterfacing software portion of the invention or through a differentsoftware interface when operating in a conventional network. Suchmachines may switch to requiring device messages to be passed through adevice server when operating under the control of a server within thewide area network to maintain security within the system. In this way asingle ATM could operate in proprietary networks in the manner ofcurrent ATMs as well as in the network configuration of the system ofthe invention.

Alternative embodiments of the invention operate to communicatetransaction messages used in a proprietary ATM network. This may beaccomplished by using an interface such as a CGI in connection witheither the document handling portion of the ATM or the HTTP home serveror other server. The CGI operates in connection with a messageconversion program and database to cull the necessary data from thedocuments and response messages and generate the defined transactionrequest messages appropriate for the proprietary transaction network.Likewise, the message conversion program and CGI operate to receivefunction command messages from the proprietary network and convert themand generate appropriate documents and/or TCP/IP messages for use by theATM. Because these proprietary network formats are defined and the datanecessary to produce and interpret the messages are known, the use ofthe ATM 12 directly in a conventional proprietary ATM network isachieved.

Conventional ATM transaction messages are defined layout messages thatdo not include documents such as markup language document or HTTPmessages. An example of known conventional messages used to operate ATMsare Diebold 91X messages, NCR PAS messages and IBM 473X messages. Suchmessages generally involve transmission of a request message from an ATMin a defined layout including customer input data (account/pin) and anindication of the type and amount of transaction requested. The requestmessage is received by an ATM host computer which sends back a responsemessage with a defined layout which includes an indication whether thetransaction is authorized. The ATM then returns another message to thehost computer indicating whether the machine was able to carry out thetransaction. The messages used in such conventional proprietary networksgenerally occupy relatively little bandwidth.

In connecting the ATM of the invention to such a network, a server isprovided. The server is in operative connection with a memory whichincludes a relational database or other data store which holds themessage conversion and document creation data. In one configuration, theserver is connected to the document handling portion through a network,or may reside on the computer of the ATM. The server produces thedocuments which the browser accesses and which include the transactiondevice instructions. The server (or a connected server) communicates theconventional messages with the host. One server may provide an interfacefor several ATMs connected to it in a LAN, or alternatively, each ATMmay have its own server operating therein.

The ability of ATM 12 to communicate in a proprietary network alsoenables operation of the ATM in a manner in which the interface isgenerated by a user's home institution in the manner previouslydescribed, but in which transactions are authorized through messagesdirected through a proprietary ATM network. This achieves the securityof using the proprietary network while providing the customer with theadvantages of the familiar home bank interface and/or “personal homepage” interface.

In such a configuration the ATM transaction function devices may beoperated in a conventional manner in response to conventional ATMtransaction messages such as Diebold 91X messages, NCR PAS messages orIBM 473X messages, in the proprietary network. The customer outputdevices, such as the display (and speakers if provided) communicateoutputs responsive to documents processed through a browser connected toa local or wide area network. The browser accesses documents to prompt acustomer through operation of a transaction, but the documents do notinclude instructions which enable operation of devices such as the cashdispenser absent authorization from the proprietary network.

In one configuration the browser may be operated by the computer inresponse to the status of devices in the machine, as the devices areoperated in response to conventional ATM messages. In this manner thebrowser may be navigated to selected addresses, including addresseswhich are associated with the customer based on customer input data.However, as the documents received by the browser will not independentlyoperate the transaction function devices, there is less need forsecurity measures in accessing documents. As a result, the customer maystill operate the machine in response to a familiar and uniqueinterface, and marketing information such as advertising or othermaterial may be presented in the transaction sequence using thetechniques previously discussed.

In other embodiments machines may perform some device functions based onconventional messages, while others may be performed in response toinstructions in HTML documents or other HTTP messages. For example HTMLdocuments may provide considerable data for use by printers or otheroutput devices. Some embodiments may access documents with instructions,but may ignore some and act in response to others. The approach may beselected by the systems operator by configuring the software based ontheir requirements.

It should be understood that embodiments of the invention may alsoprovide for the generation of the appropriate documents which areprocessed by the document handling software. Such documents may bedynamically generated responsive to information delivered throughmessages from the ATM that include instructions and data which areindicative of customer or transaction related information. This enablesmessages to and from the ATM to be communicated with a much more limitednumber of network addresses. The dynamic generation of various documentssuch as XML documents may be accomplished by one or more computers basedon data stored in one or more data stores. A plurality of documents maybe generated corresponding to a number of entities from a single server.Such documents may be tailored to the transaction options or promotionalinformation provided by each such entity. The documents may include thegraphics, icons, prompts, trademarks and other visible features and/orembedded instructions corresponding to non-visible outputs asappropriate for the corresponding entity. In this way documentscorresponding to a plurality of banks, service providers, advertisersand other entities may be generated by one or more computers anddelivered through one or more servers as appropriate responsive to theinformation in messages form the ATM and information stored in one ormore data stores operatively connected to the computers.

A further advantage of a system configuration of the exemplaryembodiment is that it has enhanced flexibility for communicatingmessages associated with the ATM. The device manager 68 preferablygenerates status messages associated with the status of devices 36.These status messages may commonly represent information aboutconditions which exist at the devices. Such messages may indicate thatsupplies of paper for printers or currency, are low or are depleted.Other messages may indicate that devices are not functioning properly.Often such messages indicate that the ATM requires servicing. All suchtypes of messages are referred to herein interchangeably as eitherstatus or fault messages.

The device interfacing software portion 64 in the exemplary embodimentcommunicates through the intranet 16 using TCP/IP messages. While themessages associated with exemplary transactions previously described aredirected to the device server 92, the software portion 64 may include aserver and be configured to address fault and status messages to otheraddresses in the intranet or the Internet. For example, such fault orstatus messages may be directed to a software application which deliversmessages to a service provider. Further, fault messages may beselectively directed based on the nature of the fault indicated. Forexample, fault messages indicative of a need to replenish currency orsupplies may be directed to an address in the intranet associated withan entity who has responsibility for replenishing supplies.Alternatively, fault messages which indicate a need for other types ofservicing may be directed to an address associated with an entity whocan provide the type of servicing required.

Alternatively, the selective dispatching of fault messages to addressesin the intranet 16 may be accomplished by appropriately configuringdevice server 92. In addition, either software portion 64 or deviceserver 92 may direct fault messages from the ATMs to a fault handlingsystem such as to a computer operating Event Management System™ softwareavailable from Diebold, Incorporated. Such software is operative toresolve the nature of the fault condition and to notify appropriatepersonnel of the corrective action to be taken.

The ATM 12 may further include a software function to assist indiagnosing problems and providing remedial service. As graphicallyrepresented in FIG. 2, alternative embodiments of the ATM 12 may includea mini-HTTP server 109 which is in communication with the deviceinterfacing software portion 64. Server 109 is configured to receivedevice status messages and to produce HTTP records including documentsin response thereto, which provide data representative of device statusto a diagnostic device 110 such as a hand held computer terminal. Server109 includes a CGI for interfacing with the device software so that atechnician may access the information in the records accessible at theHTTP addresses related to status messages, and input test and correctiveinstructions through diagnostic device 110. The HTTP records and/ordocuments generated by server 109 may preferably include graphic and/oraudio instructions indicative of conditions such as problems, as well ascorrective action data and repair instructions.

In alternative versions of the invention the functions of the mini-HTTPserver 109 may reside in device server 92. This may be particularlyappropriate where the function of the device server resides on thecomputer in the ATM. Regardless of where the function resides the use ofthe visual and audio output components generated from processingdocuments associated with maintenance and diagnostic messages,facilitates servicing of the ATM.

The records or documents delivered through the mini-HTTP server mayinclude instructions that correspond to the status or fault conditions.Such records or documents may be accessed locally as previouslydiscussed, or may be accessed remotely. A technician using a hand heldcomputer which includes a browser or other software operative to accessthe HTTP records may access the documents locally for purposes ofmaintenance, diagnosis and servicing. In some situations the customerinterface and browser associated therewith may be used to access themini-HTTP server, or a separate browser, display and input devices onthe machine and intended for use servicing activity may be used.Alternatively, the fault and status messages may be monitored fromterminals at locations anywhere that are connected in the network. Themini-HTTP server handling status and fault messages may also beconfigured to send an e-mail or other message to a selected networkaddress or a group of addresses whenever a particular condition or groupof conditions exist.

A further useful aspect of the exemplary embodiment is that HTTPmessages may also be sent to the mini-HTTP server to attempt to correctproblems. Such messages may include instructions that are operative tocause the running of diagnostic tests and the delivery of messagesindicating results. It may also include messages which cause devices tooperate to test or attempt to clear jams and other malfunctions. Thiscan often be done from remote locations. Of course, when there is asignificant risk of unauthorized access to the server handling fault orstatus messages, appropriate security measures such as the typepreviously discussed, should be taken.

The HTTP records which indicate the status of the transaction functiondevices may have different forms depending on the software configurationand the needs of the system operator. In some embodiments the devicestatus information for one or more devices may be represented by indiciacontained within a data object. The data object may be transferred toother connected computers to provide the status data. The transfer ofthe data object may be accomplished by remote method invocation (RMI)for example. The data in the transferred data object may then be used togenerate message and/or outputs desired by the system operator. Thistechnique may be particularly useful when the operator wishes to connectthe machine to an existing monitoring system and indicia included in thedata object can be used to generate outputs or messages indicative ofdevice status that can be processed by the existing system. Plug-ins mayfurther be used to achieve communication between existing monitoringsystems and transaction machines which have different types of statusconditions or different types of message formats. This includes machineswhich have different types of transaction function devices andcapabilities.

The technique of transferring a data object may also be used to conducttesting or modification of transaction function devices. For example,indicia in the data object may be modified by a servicer and the objectpassed back to the machine. The software in the machine may cause thetransaction function devices to operate or change conditions orprogramming in response to the modified data object. This may includefor example clearing a fault indication or causing a device to operateto clear a jam or to conduct a test. The results of such activity may bereflected in modified indicia in the data object which may then betransferred to the computer in the diagnostic terminal. Of course, theapproaches discussed herein are exemplary and other approaches will beapparent to those skilled in the art from the description herein.

FIG. 25 shows a schematic view of a network configuration for analternative embodiment of the automated banking machine of the presentinvention. The embodiment shown in FIG. 25 includes an automated bankingmachine specifically adapted for operating in connection withconventional automated banking machine systems such as systems whichoperate using Diebold 91X ATM message formats or other non-HTTPconventional format. A host computer 120 in this exemplary embodiment isa conventional ATM host which communicates using such messages. The hostcommunicates with an interface server schematically indicated 122.Interface server 122 operates in the manner previously discussed and isin operative connection with a memory that includes the informationnecessary to convert HTTP messages that pertain to a transaction requestto a 91X request message or other conventional message, which can behandled by host computer 120. Likewise interface server 122 and theinstructions and data stored in memory are operative to convert aconventional 91X command message or other conventional command messagefrom the host 120 into HTTP messages which can be used by the automatedbanking machine to carry out the command. Similarly interface server 122is operative to receive the HTTP messages which correspond to theresponse of the automated banking machine to the commands and to producea 91X response message or other conventional response message to thehost.

In accomplishing these functions the interface server communicates withan interface client 124 which in the preferred embodiment is a COMM plugin which operates on the banking machine terminal under a Windows NT®operating environment. Interface server 122 also includes acommand/status gateway 126. The command/status gateway is operative toreceive command and status messages from the software portions handlingthe functional devices within the machine. The messages concerning thedevices are used in producing transaction messages to send back to host120. In addition, the command status gateway portion also producesstatus messages indicative of the status of devices which may also becommunicated to the host.

The interface server 122, command status gateway portion 126 andinterface client 124 may reside in software on the automated bankingmachine terminal. In this configuration the terminal appears to the hostcomputer to be a conventional machine. Alternatively interface server122 and command status gateway portion 126 may reside on a separateserver, while the interface client portion 124 may reside on theterminal. This enables the interface server 122 to handle a number ofautomated banking machines by connecting the machines to the interfaceserver through a network.

The alternative configuration of the automated banking machine systemshown in FIG. 25 is particularly adapted for use in connection withexisting ATM system. The machine includes a computer with a documenthandling portion 128 which includes one or more visible or non-visiblebrowsers which operate in the manner of the embodiments previouslydescribed. The document handling portion is alternatively referred to asa browser herein for purposes of simplicity. The document handlingportion operates in connection with a network 130 to access HTTP recordsin the form of documents through servers 132, 134 and 136. For purposesof this example server 132 will be considered the server of the homebank which operates the automated banking machine. The browser portion128 is enabled to access documents of its home bank for purposes ofobtaining content and instructions for purposes of outputtinginformation to customers as well as for operating devices on themachine. Servers 134 and 136 are representative of other servers whichthe automated banking machine may be instructed to access for purposesof downloading documents which include information or instructions.Often such documents from non-home bank servers will include informationwhich is to be presented to customers such as advertising, promotionalmaterial, stock quotations or other types of information. It should beunderstood that the servers 134 and 136 may be directly connected tonetwork 130 or may be accessed through other networks and servers. Insome embodiments such servers may be accessed through the Internet forpurposes of providing documents to the automated banking machine.

Document handling portion 128 in this exemplary embodiment includes aterminal theater software portion schematically indicated 138. Terminaltheater portion 138 is schematically shown in greater detail in FIG. 26.Terminal theater portion 138 includes a back stage frame 140 and atheater frame 142. The back stage frame 140 although it resides in thebrowser, is not visible on the screen of the automated banking machine.The theater frame 142 is a visible frame and controls what is shown tothe customer.

As schematically represented in FIG. 25 the HTML document handlingportion also includes a terminal director portion 144. The terminaldirector portion includes directors which are related instances ofapplets which are used in carrying out particular types of transactions.The terminal directors generally correspond to the operation of the JAVAapplets in the previously described embodiment.

The automated banking machine of the exemplary alternative embodimentfurther includes a transaction services application (TSA) schematicallyindicated 146. The transaction services application provides security,terminal condition, terminal authorization and key management serviceswithin the automated banking machine. The transaction servicesapplication includes a function for communicating HTTP messages with theinterface server 122. The transaction services application may alsocommunicate through a network such as network 130 in a manner laterexplained. The transaction services application also provides a serverfunction which enables the transaction services application to carry outthe functions of the device server 92 in the previously describedembodiment.

The automated banking machine of the alternative embodiment furtherincludes JAVA common device interfaces schematically indicated 148. TheJAVA common device interfaces in the exemplary embodiment are relatedinstances of applets which control and coordinate the operation of thefunctional devices 150 of the machines which perform transactionfunctions. The functional devices may include devices of the typesdescribed in connection with the previous embodiment or other types ofdevices which operate to carry out a function related to a transaction.The JAVA common device interfaces 148 communicate with the functionaldevices through common device interfaces schematically represented 152.The common device interfaces (CDIs) provide an interface that controlsthe electromechanical modules in the functional devices included in theautomated banking machine. The common device interfaces areschematically shown in connection with a diagnostic server 154. Thediagnostic server operates in a manner similar to server 109 of thepreviously described embodiment. The diagnostic server 154 is useful indiagnosing status and in correcting problems with the devices in theautomated banking machine.

Referring again to FIG. 26 the backstage frame 140 within the terminaltheater portion 138 is a component called the backstage applet 156. Thebackstage applet 156 is preferably a relatively thin component.Instructions referred to as script included in documents accessed by thebrowser selectively cause the backstage applet to notify a terminaldirector when an action is to take place in response to the instructionsincluded in the accessed document. The backstage applet also operates torequest that a new document be accessed. The backstage applet alsoprovides access to the shared transaction data object previouslydiscussed which holds transaction data.

The theater frame 142 controls the user interface as seen by the user ofthe automated banking machine terminal. Client HTML schematicallyrepresented 158 in the theater frame 142 defines the identifying indiciaassociated with events sent to a director manager through the backstageapplet and provides an interface to the director manager's publicmethods. The director manager schematically indicated 160 in FIG. 26,has a class which resides in the transaction services application (TSA)146 as shown. The director manager class residing in the TSA process isoperative to load the terminal directors 144 to the document handlingportion. The director manager also includes a backstage applet classthat resides in the backstage frame 140. The backstage applet class ofthe director manager provides an interface for the client HTML to makerequests on the director manager. Instructions in documents can passevents through the backstage applet 156 to the director manager. Suchevents include a request to authorize a transaction. Such requests mayalso include indications that the customer has completed a transactionor that a document loaded by the browser includes instructionsrequesting that the session be terminated. Other events which can bepassed through the director manager include print events. Other eventsin this exemplary embodiment which can be passed through the backstageapplet to the director manager include an indication that an entry wascanceled, or other defined user events.

In response to receiving events the director manager of the embodimentshown responds to instructions in documents accessed by the browser toperform functions which include changing the content of the theaterframe 142. The director manager responsive to such instructions, alsochanges the active terminal director class. The director manager alsocaches terminal director classes for later use or loads terminaldirector classes and documents from a list of available servers. Thedirector manager also provides access to the shared transaction dataobject holding transaction data for a particular transaction. Thedirector manager also sends terminal theater events to the backstagecontrol class of the current terminal director and provides a screentimeout timer. Of course in other embodiments the terminal director maycarry out other functions.

In operation of the alternative embodiment shown in FIG. 25 the terminaldirectors 144 in the transaction services application 146 enablesselectively accessing documents with the document handling portion 128.The documents accessed may include instructions which are used tooperate the automated banking machine and the functional devicesthereon. The transaction services application 146 is further operativeto communicate the HTTP messages which are passed to the interfaceserver 122 and which are used to generate conventional ATM messageswhich can be handled by the host 120. The dispensing of currency andother transfers of value are carried out in response to approval fromthe host 120, while the interface and other functions are controlledthrough instructions in documents accessed through the browser.

In an exemplary embodiment the ATM or other transaction machinecommunicates with the conventional ATM host by passing the transactiondata object between the computer in the ATM and the interface server.This transfer is preferably accomplished by the remote messageinvocation (RMI) feature of software such as JAVA. Of course othermethods for transferring the data object file using HTTP may be used.

As previously discussed, the transaction data object holds transactiondata and perhaps other data pertinent to the customer or thetransaction. The machine acquires data pertinent to the transaction suchas account data from a card, a customer's PIN number, requestedtransaction(s) and amount(s), and includes this data among thetransaction data.

Once the data needed to generate a conventional ATM transaction messageis represented in the transaction data, the data object is transferredto the interface server. The interface server is in operative connectionwith a database 123 or other item holding conversion data asschematically indicated. The conversion data is used by the softwareassociated with the server to generate a conventional ATM transactionrequest message to the host 120. The conventional message may beformatted as a conventional 91X message or other type of conventionalnon-HTTP transaction message.

After processing the host 120 responds with a conventional responsemessage. The components of the response message are received at theserver and processed responsive to the conversion data to producemodified transaction data in the data object. This modified transactiondata preferably includes data indicative of whether the requestedtransaction is authorized or denied, as well as other data. For example,if the transaction is denied it may include data which is indicative ofthe reason for the denial.

The transaction data object with the modified transaction data is thentransferred to the computer operating the ATM by RMI or other transfermethod. The transaction services application 146 operating in softwarereceives the data object and operates the transaction function devicesresponsive to the modified transaction data. The transaction data objecthas the transaction data therein further modified by the inclusion ofinformation concerning operation of the devices. After the devices haveoperated, the transaction data object with the further modifiedtransaction data is passed back to the interface server 122. Themodified transaction data is then used to generate a message to the ATMhost. The message to the host includes data corresponding to themodified transaction data. Usually this message is a conventionalnon-HTTP completion message indicating whether the transaction wassuccessfully carried out by the transaction function devices.

The format of the non-HTTP conventional transaction messages may bereadily changed in the described embodiment. This can be achievedthrough the use of plug-ins. The plug-ins are operative to put datainto, and to extract data from, the transaction data object. Theplug-ins achieve conversion between the transaction data and desiredconventional non-HTTP messages. The use of plug-ins enables more readilyusing the ATM of the described embodiment in connection with variedtypes of conventional transaction networks.

Transaction data in the transaction data object is also preferablyoperative to have the computer operate the browser or multiple browsers,to access selected documents. This may be done to indicate that thetransaction is authorized or denied, as well as to access specificdocuments responsive to components of the message. For example,customers of banks other than the one operating the ATM may be givencertain promotions not presented to the bank's existing customers. Thetransaction data indicative of why a transaction is denied can be usedto access documents which provide an explanation, or can encourage thecustomer to take other action, such as to take a cash advance on acredit card or to apply for a loan.

The system schematically shown in FIG. 25 is an example of an automatedbanking machine system that achieves the wide variety of interfaceoptions available through the use of an HTML interface while preservingcompatibility with existing banking machine systems and the securitytechniques associated therewith. Of course in other embodimentsalternative approaches and configurations may be used.

A further advantage incorporated into the system schematicallyrepresented in FIG. 25 is the ability to operate the software componentsof the described embodiment of the present invention in existingautomated banking machines. As will be appreciated, the handling of HTMLor other types of documents in conventional computers requires inputsthrough a QWERTY type keyboard as well as mouse clicks in locationscorresponding to icons or other features on documents to successfullynavigate and use such documents. Conventional automated banking machinesgenerally do not include a mouse or full keyboard. Rather, conventionalautomated banking machines generally include an alphanumeric keypadsimilar to that used on telephones, as well as function keys.Embodiments of the present invention enable the operation of the systemwith terminals which have such interfaces operate in a manner whichattains benefits of the invention.

FIG. 27 shows an example of a conventional automated banking machineinterface 162. Interface 162 includes an output device which includes ascreen 164. Screen 164 may be a CRT, LCD or other conventional displayscreen. In the embodiment shown screen 164 is not a touch screen as inthe previously described embodiment. A plurality of function keys 166are disposed at locations adjacent to the screen 164. A keypad 168 isalso included in the interface 162. Keypad 168 includes alphanumerickeys as well as certain other dedicated keys such as “cancel”, “correct”and “ok”. Other keys on the keypad are generally blank but in someinstances may be used.

In the operation of a conventional automated banking machine, screendata which is generated from information stored in the terminal memoryproduces defined transaction screens which are presented graphically onthe screen 164. The screens appear in a sequence in response to thetransaction function selected by the customer. Conventional screens alsogenerally include text or graphics representative of selections that canbe made by a customer. These text or graphic options generally includelines or other indicia which extend to the edges of the screen adjacentto one of the function keys 166. A user is enabled to select the optionsby pressing the function key which is pointed to by the selection.Likewise in the operation of the automated banking machine a user isenabled to input the alphanumeric characters which comprise the PINnumber as well as numeric amount information and other instructions bypressing the keys in the keypad 168.

In an exemplary embodiment of the present invention the softwareoperated in the automated banking machine operates to convert standardATM key inputs to operating system events such as a mouse click in adesired location or an input from a QWERTY type keyboard. The softwarecomponents which enable carrying out this function are shown in FIG.28-30. These functions include a keypad applet 170. The keypad applet170 in the described embodiment is included among the applets in theterminal directors 144. The keypad applet 170 supports a subset of thekeyboard common device interface (CDI) functionality.

The keypad applet 170 coordinates with a keyboard command server whichoperates in the transaction services application 146. The server in thetransaction services application communicates with the common deviceinterface for the keypad and function keys, schematically indicated 172.The key CDI in the preferred embodiment is a JAVA program which isreferred to as a wrapper for the common device interface associated withthe function keys and the keypad.

The software further includes a keyboard mapper program schematicallyindicated 174. The keyboard mapper in the exemplary embodiment is inconnection with a database 176 which stores a plurality of map sets. Inthe exemplary embodiment the keyboard mapper is an extension of thekeyboard class of objects used for operating the keyboard. The keyboardmapper operates to store sets of keymaps in the database 176. This isaccomplished by reading information in a configuration database for theATM to obtain the keymaps that are operated in the particular machine.During operation, the keyboard mapper selects one of the keymaps as thecurrent set. This is done in response to the keypad applet and is basedon instructions in HTTP records which are selectively accessed. Thekeyboard mapper may select keymaps responsive to instructions indocuments processed through the browser. The keyboard mapper is alsooperative to enable the keypad and function keys appropriate for theparticular mapset selected. The keyboard mapper is further operativeresponsive to the selected mapset to translate a keypad input signal ora function key input signal into a respective keyboard or mouse inputsignal which is then delivered to the keyboard input stream or the mouseinput stream of the operating system of the computer in which thesoftware operates.

In the exemplary embodiment the mapsets are each comprised of hashtables. Keymap objects are stored as values in the hash tables such thateach object includes the values and operations necessary to convert anyappropriate ATM key event to an operating system input event.

As can be appreciated in the case of function keys adjacent to the ATMscreen it may be desirable to provide a mouse input to the mouse inputstream that corresponds to a particular coordinate location for themouse input. This is provided by the keyboard mapper using the selectedkeymap set. The various keymap sets enable the different function keysto provide different types of inputs to the computer operating systemresponsive to the document processed by the browser to produce theoutput displayed to the user. Further the keyboard mapper causes thepressing of a selected key to produce an input corresponding to a mouseclick at a selected x,y coordinate position on the screen. It should beunderstood that either keypad keys or function keys can be used toproduce mouse inputs. Likewise function key inputs may be converted tokeyboard inputs. In some embodiments however it will be desirable todisable the mouse indicator on the screen such that the user does notnotice a usual mouse icon. Such disabling may include in someembodiments reducing the size of the mouse icon such that it is so smallthat it cannot be readily seen by a user of the machine.

During portions of some transactions it may be unnecessary for the userto press any keys. In such situations some preferred embodiments of theinvention operate to disable the keypad keys and/or function keys.Because resources of the computer are used in polling such keys forinputs, the cessation of such polling during appropriate times enablesthe computer resources to be devoted to carrying out other functions.This will increase the speed at which other activities may be carriedout. This may be accomplished in some embodiments by the keypad appletoperating to remove the key devices from a poll list.

FIGS. 28-30 include schematic depictions of examples of the operation ofthe keyboard mapper and the keypad applet. FIG. 29 shows an example ofan input to the keypad 168. In this example the keypad applet 170generally in response to instructions in an HTTP record such as an HTMLdocument or other events, transmits and enables events to thetransaction services application 146. In response a mapset is selectedfrom the database 176 corresponding to the particular map name. Thekeyboard command server is further operative to enable the appropriatekeys of the ATM.

In this example, in response the customer pressing the “OK” key on thekeypad the CDI generates an appropriate signal to the transactionservices application. As will be noted from FIG. 27 a “OK” key isreferred to by convention as the “J” key of the ATM interface. Thetransaction services application transmits the signal generated from thepressing of the “J” key by the customer to the keyboard mapper 174. Inresponse to receiving the signal, the keyboard mapper operates toresolve the object in the mapset corresponding to the map name whichwill convert the function key input signal to a keyboard input signalwhich is recognized by the operating system. By calling the selectedobject from the mapset, a keyboard input signal is produced anddelivered into the keyboard stream of the computer. This is representedby keyboard stream 178. In the embodiment shown the keyboard stream isan input to the Windows NT® operating system. The keypad applet 170operates to sense the input through its corresponding key listener.Applet 170 is also operative to receive the event and may operate todisplay an icon or other graphic corresponding to what the customer hasinput.

FIG. 28 shows operation of the keyboard mapper in situations where thetransaction services application operates to prevent transmitting thedata input by the customer to the applet 170. This may be desirable forexample, in situations where the input by the customer is the customer'sPIN or other data which is not to be displayed. In these circumstancesthe transaction services application 146 operates to hold the data inputby the customer and to send only a signal representative of a holdingcharacter, in this case a “*” symbol back to the browser. This is doneselectively in response to the instructions contained in documentsaccessed by the browser or in other HTTP records accessed by thecomputer which indicates that the input by the customer corresponds totheir PIN or other data which is not to be sent to the browser. In theexample shown in FIG. 28 only the holding character is passed throughthe keyboard mapper to the browser. In situations where the HTTP recordaccessed invokes methods in which numerical values are to be sent to thebrowser and/or displayed on the screen (such as the amount of awithdrawal transaction) the signal sent by the transaction servicesapplication to the browser is indicative of the numerical valueassociated with the key pressed.

FIG. 30 is a further example of the operation of the keyboard mapper inthis case the input corresponds to a function key 166. In this case theinput is caused by pressing the function key “A” which is shown adjacentto the upper right hand corner of the screen as shown in FIG. 27. Thesignal generated in response to pressing the function key is passed tothe keyboard mapper which in response to the data obtained from the datastore 176 outputs a mouse input corresponding to a mouse click. Themouse input includes data representative of the x and y coordinates onthe screen where the mouse click is to be provided. This mouse inputsignal is passed to the mouse stream input schematically represented180.

As will be appreciated, to enable the automated banking machine whichprocesses documents to operate using a conventional ATM interface themouse input will generally include coordinate locations which correspondto a location on the screen adjacent to the particular function key.This is because the icon, line, text or other indicia which the customeris selecting by pressing the key will preferably appear or extend on thescreen adjacent to the key. In this way the customer is aware throughthe visual presentation what key to press to make a correspondingselection. A number of function keys adjacent to the screen may beoperative at any one time. The customer may make selections by pressinga function key at one location and then a function key at anotherlocation disposed from the first location. This will result in signalsbeing sent to the mouse stream corresponding to mouse clicks atcoordinates on the screen adjacent to the function buttons pressed bythe customer. During transactions various combinations of function andkeypad keys may be operative and mapped to various keyboard and mouseinputs as determined by the selected mapsets. In addition developers maydevelop special mapsets corresponding to the particular graphics indocuments which are displayed.

In the foregoing manner keypad inputs to a conventional ATM or otherautomated banking machine keypad can be translated into conventionalkeyboard or mouse inputs which can be identified and processed in aconventional keyboard input stream or mouse input stream to a computer.Likewise function keys may be translated into mouse inputs at selectedlocations and delivered into the mouse input stream for processing bythe computer or may be converted into keyboard inputs and delivered tothe keyboard input stream. A further advantage of the described terminalconfiguration is that keys may be selectively disabled except when theyare needed. This may reduce instances of attempts to improperly accessthe machine by pressing keys on the keyboard. Further as previouslydiscussed steps may also be taken to disable keys when they are notneeded to increase transaction processing speeds.

A further advantage of embodiments of the present invention is theability of the automated banking machine to provide printed documentsbased on instructions in HTML or other types of documents. Such printeditems may include tickets, travelers checks, money orders, bank checks,scrip or other types of documents. The ability of embodiments to accessand process documents enables the printing of graphics and other indiciawhich can produce printed documents having selected appearance featuresand selected ornamental designs. This can reduce the need to utilizepreprinted forms and also enables the printing of a greater variety ofprinted formats. Further the configuration of some embodiments of themachine enable printing only selected portions of transactioninformation for record keeping purposes within the machine whileproviding versions including enhanced graphics or other attractivefeatures to customers.

FIG. 31 is a schematic representation of the operation of the system inprinting forms using a printer in an automated transaction machine. Theexemplary form of the invention uses the WIN32 printer services whichoperate under Windows NT® 4.0. In the exemplary transaction shown, thedirector manager class 180 operating in the terminal theater portion 138initiates a print receipt transaction by requesting a printer director182 to print a receipt. The printer director in the exemplary embodimentis a collection of instances of related JAVA beans which operate tocarry out printing activities, and is one of the directors among theterminal directors 144. The printer director includes a print classwhich is schematically shown separately which is operative to invoke aprint URL method. The printer class in the exemplary embodiment includesaccess to the shared transaction data object which includes the customerspecific information concerning the transaction that includes indiciarepresentative of information to be printed. In the case of an automatedbanking machine this may include for example indicia representativeinformation which is read from a customer's card input to the machineand read by a card reader. This would include for example the customer'sname and account number. The other transaction information may includethe types of transactions conducted such as a deposit, withdrawal orinquiry as well as the amount involved in each respective transaction.

The transaction services application 146 receives the print request andpasses the URL string to the WIN printer object 184 by the print URLmethod. The URL address in an exemplary embodiment is the address of anHTTP record such as an HTML document that will be used to format thedocument to be printed, in this case a receipt. This HTML documentcontains the embedded JAVA script that processes transaction data fromthe transaction data object. The URL address of the document may be on alocal machine or may be retrieved from another server such as through anetwork schematically indicated 186. Network 186 may be a local areanetwork or a wide area network depending on the configuration of themachine.

The WIN printer object 184 next navigates to the address of the documentto be accessed. This is done in one preferred embodiment usingMicrosoft's C Web Browser2 ActiveX control. When the HTML document hasbeen loaded the ActiveX control automatically begins processing thecontent of the accessed document. The transaction services application146 invokes the print URL method of the WIN printer object 184. The WINprinter object uses the ActiveX control to print the current HTMLdocument. This printing is processed by the Windows NT® print spool andgraphics components.

The JAVA CDI receives an event from the print monitor component 192 thatindicates the completion of print spooling. This indicates that a fileis now available to be read and sent to the common device interface(CDI) 188 of the receipt printer.

Next a printer object 190 invokes a read data function in the printmonitor 192 to determine the location and size of the print data file.The print object 190 sends the data or the path name of the data file tothe printer CDI 188. The printer CDI 188 then passes the print data tothe printer hardware. This results in printing of the receipt.

Once the receipt is printed the applet from the printer director 182issues a request to deliver the printed receipt. The delivery request ispassed through the transaction services application 146 to the printerobject 190. The printer object 190 invokes the delivery method on theprinter CDI 188 to cause the receipt to be delivered to the user of themachine. The operation of the software components enables selectivelyaccessing document formats as well as using instructions contained inthe documents to include transaction data within the printed documents.This enables producing documents of varied types. In addition it enablesproviding printing different types of documents for different customers.This may be desirable when providing marketing information, coupons orsimilar indicia on transaction receipts. This approach furthersimplifies providing printed formats in various languages by developingHTML documents which provide printed forms in different languages. Ascan be appreciated numerous types of form documents may be establishedwhich include instructions which instantiate and/or process certain datain the transaction data object to produce printed forms. In addition themethods of the present invention may be used for providing marketing tocustomers by profile or types of customer categories, as well as on asegment of one basis.

While the printing method previously described is discussed inconnection with delivering transaction receipts, similar methods may beinvoked for the printing of statements for customers as well as forprinting a transaction journal within the automated banking machine.Further by accessing selected documents controlling the format ofprinting the information, journal records may be provided withconsolidated information in a manner which enables conserving journalpaper within the machine by not printing promotional or other types ofinformation that is provided on customer documents.

The printing method of the exemplary form of the present invention alsoenables printing various types of optical indicia such as bar code orother types of machine readable indicia which can be used for printingcoupons, checks or similar articles. Such coding may facilitate trackingthe use of such items by customers for purposes of evaluating theeffectiveness of various marketing efforts. In addition machine readableindicia may be used for printing on items such as deposit envelopesand/or in transaction journals. Such printing may facilitate readingsuch items by machine to verify the contents of deposits.

The printing capabilities achieved through the methods of the presentinvention also enables the printing of selected graphical materials.This may include for example materials which include imbedded digitalsignatures which can be used to verify the genuineness of the itemsprinted. This may be particularly useful for example in situations wherethe transaction machine is used to print scrip, travelers checks,betting slips or other items having independent value. In additionprinted documents in full color may be produced by including a colorprinter in the transaction machine.

The principles associated with printing forms from the automated bankingmachine are also applicable to the development of other electronic andhard copy forms. As previously discussed, in embodiments of theinvention the transaction data may be delivered to the home bank as anHTML document or other HTTP message. Such documents may includeinstructions which when processed by a browser, operate to extract ormanipulate the data therein so it may be further processed and/or storedin a different format. Such processing may include for example, theconversion of the data in the document to a non-HTTP format such as aDiebold 91X, NCR PAS or IBM 473X format.

In some circumstances customers at the automated banking machine may bepresented with promotional offers or offers to purchase goods orservices. These offers may come from vendor entities not associated withthe institution with which the customer has their account. Such offersto be accepted may require the customer to provide information to thevendor. Such information may commonly include data accumulated in thetransaction record or transaction data object. For example, the vendorof the goods or services will often need the customer name and accountnumber data for charging for the goods or services. As previouslydiscussed, the transaction data object may also hold personal data aboutthe customer that is stored on the customer's card or other article andread by a reader in the machine. In exemplary embodiments, the vendorsof such goods or services may have applications accessible on a server.These applications may include documents which have instructions thereinfor instantiating and/or processing the information in the transactiondata object to provide the information the vendor needs to consummatethe transaction. This may be accomplished by navigating one of thevisible or non-visible browsers in the banking machine to the networkaddress at which the vendor document(s) are accessible in response toinput of instructions by the customer that they wish to accept an offeror conduct such a transaction.

In exemplary embodiments, a vendor form may be viewed on the display andprinted by the customer at the automated banking machine. If there is aneed for further information from the customer or for the customer tomake selections, the vendor application comprised of HTML, other typemarkup language or other documents may elicit such information throughthe customer interface of the banking machine. The vendor applicationmay also have the customer acknowledge limitations of disclaimersrelated to the goods or services being offered. The printingcapabilities of the exemplary embodiment further enables providing acustomer with a printed version of a computer generated form or contractreflecting information concerning the transaction and terms associatedtherewith. Further any special provisions such as a printed notice thatthe customer has a right to rescind the transaction for a period of timeand the steps the customer must take to rescind may be provided inprinted hard copy format.

In alternative embodiments the offers or transactions provided throughthe automated banking machine by vendors of goods or services mayutilize the same or at least some of the documents comprising anapplication which is used to conduct transactions electronically whenthe customer is not operating an automated banking machine. For example,similar form type documents may have data therein populated through auser's home computer when the transaction is conducted away from anautomated banking machine. When the transaction is conducted at abanking machine the information in the transaction data object or othertransaction record is used to provide the necessary data.

This capability provides opportunities for vendors to developapplications that can be used over the Internet for home PCs as well asfor customers who use automated banking machines. Such capabilitiesfurther enable vendors and banking institutions to develop applicationssuch as home banking applications, applications for making purchases andbill payment applications that can be utilized from both home PCs andautomated banking machines. Because automated banking machines haveaccess to data which is stored in a bank office, database personal datastored on a card or accessible from another data store, the system ofthe invention may be configured so that additional information may beincluded in the transaction data object without the need for input by acustomer at the banking machine. This enables processing transactions atthe banking machine more quickly than may be possible on the customer'shome PC. Further utilizing the banking machine for conductingtransactions enables the customer to conduct the transactions utilizingthe security associated with the banking machine system.

The use of automated banking machines to conduct transactions that couldbe carried out through a home PC has an advantage in that it includesthe capability of providing the customer with hard copy receipt formsdocumenting transactions conducted. The use of the banking machine mayalso provide customers with greater confidence that transactions havebeen recorded as the bank may also maintain information which documentsthe transaction even through the transaction is between the customer anda third party. Banking machines may also provide receipt forms that aredeliberately made more difficult to counterfeit or which havecapabilities of being verified as genuine. The use of image recordingsystems in connection with banking machines also may be used to verifythat a transaction was conducted by an authorized person. Such featuresalso enable the institution having the customer's account to offerpromotions such as premiums, extended warranties or prizes forconducting transactions with the involvement of the institution.Numerous advantages within the scope of the present invention may alsobe achieved.

Computer software used in operating the automated transaction machinesof the present invention and connected computers may be loaded fromarticles of various types into the respective computers. Such computersoftware may be included on and loaded from one or more articles such asdiskettes or compact disks. Such software may also be included onarticles such as hard disk drives, tapes or read only memory devices.Other articles which include data representative of the instructions foroperating computers in the manner described herein are suitable for usein achieving operation of transaction machines and systems in accordancewith embodiments of the present invention.

The exemplary embodiments of the automated banking machines and systemsdescribed herein have been described with reference to particularsoftware components and features. Other embodiments of the invention mayinclude other or different software components which provide similarfunctionality.

Thus the new automated banking machine and system of the presentinvention achieves the above stated objectives, eliminates difficultiesencountered in the use of prior devices and systems, solves problems andattains the desirable results described herein.

In the foregoing description certain terms have been used for brevity,clarity and understanding. However no unnecessary limitations are to beimplied therefrom because such terms are for descriptive purposes andare intended to be broadly construed. Moreover the descriptions andillustrations herein are by way of examples and the invention is notlimited to the details shown and described.

In the following claims any feature described as a means for performinga function shall be construed as encompassing any means known to thosehaving skill in the art to be capable of performing the recited functionand shall not be deemed limited to the particular means shown in theforegoing description or mere equivalents thereof.

Having described the features, discoveries and principles of theinvention, the manner in which it is constructed and operated and theadvantages and useful results attained; the new and useful structures,devices, elements, arrangements, parts, combinations, systems,equipment, operations, methods, processes, and relationships are setforth in the appended claims.

1. Apparatus comprising: an automated transaction machine associatedwith a home transaction system, wherein the machine includes at leastone reader and at least one display screen, wherein the machine isoperable to display a home user interface of the home transaction systemthrough the at least one display screen, responsive at least in part tothe at least one reader reading account data that corresponds to afinancial account held at the home transaction system, wherein the homeuser interface of the home transaction system includes user-selectablefinancial transaction options, wherein the machine is operable todisplay different user interfaces, each of which is a respective homeuser interface of a respective outside transaction system which differsfrom the home transaction system, wherein the machine is operable todisplay a home user interface of a respective outside transaction systemthrough the at least one display screen, responsive at least in part tothe at least one reader reading account data that corresponds to afinancial account held at the respective outside transaction system,wherein the home user interface of the respective outside transactionsystem includes user-selectable transaction options, wherein the homeuser interface of the respective outside transaction system visuallydiffers from the home user interface of the home transaction system. 2.The apparatus according to claim 1 wherein the machine comprises anautomated banking machine, wherein the home transaction system comprisesa home banking institution, wherein the home banking institutionincludes a plurality of automated banking machines, wherein each machineincludes at least one reader, wherein each at least one reader includesa card reader device and a biometric reader device, wherein each machineincludes at least one computer, wherein the at least one computer isoperative to cause card data read by the card reader device to becompared with card information stored in at least one data store,wherein the at least one computer is operative to cause biometric dataread by the biometric reader device to be compared with biometricinformation in the at least one data store,  wherein the at least onecomputer is operative to authorize a customer to use the machine tocarry out a financial transaction, responsive at least in part to both computer-determined correspondence between the card data and the cardinformation, and  computer-determined correspondence between thebiometric data and the biometric information.
 3. The apparatus accordingto claim 1 wherein the machine includes a cash dispenser and at leastone user input device, wherein the at least one display is operable torespectively output different user interfaces, each of which includes auser-selectable cash withdrawal option, wherein user selection throughthe at least one user input device corresponding to an outputted cashwithdrawal option, is operative to both cause operation of the cashdispenser, and cause a financial transfer involving the financialaccount.
 4. The apparatus according to claim 1 wherein the home userinterface of the home transaction system includes a first visualarrangement of transaction options, wherein the home user interface ofthe respective outside transaction system includes a second visualarrangement of transaction options, wherein the second visualarrangement of transaction options differs from the first visualarrangement of transaction options.
 5. The apparatus according to claim4 wherein the machine is operable to cause the at least one display tooutput a name associated with a first outside transaction system,responsive at least in part to the at least one reader reading accountdata that corresponds to a financial account held at the first outsidetransaction system, wherein the machine is operable to cause the atleast one display to output a name of a second outside transactionsystem, responsive at least in part to the at least one reader readingaccount data that corresponds to a financial account held at the secondoutside transaction system.
 6. The apparatus according to claim 1wherein the machine is operable to cause a non member transaction fee tobe assessed to a financial account held at an outside transactionsystem.
 7. The apparatus according to claim 1 and further comprising atleast one computer associated with the machine, wherein the at least onecomputer is operable to communicate with at least one remote computerthat is remotely located from the machine, wherein the at least onecomputer is operable to communicate with the at least one remotecomputer to obtain the home user interface of the respective outsidetransaction system, responsive at least in part to the at least onereader reading account data that corresponds to a financial account heldat the respective outside transaction system.
 8. The apparatus accordingto claim 7 wherein the at least one computer is operable to obtain atleast one markup language document, responsive at least in part to theat least one reader reading account data that corresponds to a financialaccount held at the respective outside transaction system, wherein theat least one markup language document includes instructions forproducing at least one display output corresponding to the home userinterface of the respective outside transaction system, wherein the atleast one computer is operable to cause the machine to display the atleast one display output, responsive at least in part to obtaining theat least one markup language document.
 9. The apparatus according toclaim 1 wherein the home transaction system comprises a home bankinginstitution associated with a plurality of networked automated bankingmachines, wherein the home user interface of the home transaction systemcomprises a first user interface of the home banking institution,wherein the first user interface of the home banking institutioncomprises a default user interface for each of the plurality ofnetworked automated banking machines.
 10. Apparatus comprising: at leastone computer associated with an automated banking machine that includesat least one reader operable to read machine user data usable toidentify a financial account and at least one display operable torespectively output different user interfaces, each of which includesmachine user-selectable financial transaction options, wherein the atleast one computer is configured to cause the at least one display tooutput a first user interface that is associated with a first entity andcomprises a default user interface for the machine, responsive at leastin part to the at least one reader reading machine user data thatcorresponds to the first entity, wherein the at least one computer isconfigured to cause the at least one display to output a second userinterface that is associated with a second entity and visually differsfrom the first user interface, responsive at least in part to the atleast one reader reading machine user data that corresponds to thesecond entity.
 11. The apparatus according to claim 10 wherein the atleast one reader includes at least one of a card reader and a biometricreader, wherein the machine includes a cash dispenser and at least oneuser input device, wherein the machine user-selectable financialtransaction options of the first user interface includes auser-selectable cash withdrawal option, wherein the machineuser-selectable financial transaction options of the second userinterface includes a user-selectable cash withdrawal option, whereinmachine user input through the at least one user input devicecorresponding to selection of a cash withdrawal option, is operative toboth cause operation of the cash dispenser, and cause a financialtransfer involving the financial account.
 12. The apparatus according toclaim 10 wherein the first entity comprises a first banking institution,wherein the first user interface uniquely corresponds to the firstbanking institution, wherein the first user interface comprises adefault user interface for the first banking institution, wherein thesecond entity comprises a second banking institution, wherein the seconduser interface uniquely corresponds to the second banking institution,wherein the second user interface comprises a default user interface forthe second banking institution, wherein the at least one computer isconfigured to cause the at least one display to output the default userinterface for the second banking institution, responsive at least inpart to the at least one reader reading machine user data thatcorresponds to the second banking institution.
 13. The apparatusaccording to claim 12 wherein the first banking institution has a name,wherein the at least one computer is operable to cause the at least onedisplay to output the name of the first banking institution, responsiveat least in part to the at least one reader reading machine user datathat corresponds to a financial account held at the first bankinginstitution, wherein the second banking institution has a name, whereinthe at least one computer is operable to cause the at least one displayto output the name of the second banking institution, responsive atleast in part to the at least one reader reading machine user data thatcorresponds to a financial account held at the second bankinginstitution.
 14. The apparatus according to claim 12 wherein the firstbanking institution is associated with a first group of networkedautomated banking machines, wherein the first user interface comprises adefault user interface for each of the automated banking machines of thefirst group, wherein the second banking institution is associated with asecond group of networked automated banking machines, wherein the seconduser interface comprises a default user interface for each of theautomated banking machines of the second group.
 15. A method comprising:(a) operating at least one computer to cause at least one reader of anautomated banking machine including at least one display, to read userdata which includes account data usable to identify a financial account,wherein the at least one display is operable to respectively outputdifferent user interfaces, including a primary user interface which bothis associated with a first entity, and includes user-selectabletransaction options, at least one secondary user interface, wherein eachsecondary user interface  differs from the primary user interface andfrom each other secondary user interface,  is associated with arespective secondary entity which differs from the primary entity andfrom each other secondary entity, and  includes user-selectabletransaction options; and (b) operating the at least one computer tocause the at least one display to output a respective secondary userinterface, responsive at least in part to the account data read in step(a) corresponding to a secondary entity associated with the respectivesecondary user interface.
 16. The method according to claim 15 whereinthe primary user interface uniquely corresponds to a first bankinginstitution, wherein each respective secondary user interface uniquelycorresponds to a respective secondary banking institution, wherein eachrespective secondary banking institution has a name, wherein the atleast one computer is operable to cause the at least one display tooutput the name of a respective secondary banking institution,responsive at least in part to read account data corresponding to therespective secondary banking institution. wherein step (b) includesoutputting the name of a respective secondary banking institution. 17.The method according to claim 15 wherein the machine is associated witha home banking institution, wherein the user data read in step (a)corresponds to a user account held at a foreign banking institutionwhich differs from the home banking institution, and further comprising:(c) operating the at least one computer to cause a transaction fee to beassessed to the financial account for use of the machine by a non memberof the home banking institution, responsive at least in part to theaccount data corresponding to a foreign banking institution.
 18. Themethod according to claim 15 wherein the machine includes at least oneuser input device, wherein the primary user interface includes a firstvisual arrangement of transaction options, wherein the respectivesecondary user interface outputted in (b) includes a visual arrangementof transaction options which differs from the first visual arrangementof transaction options, and further comprising: (c) operating the atleast one computer to receive through operation of the at least one userinput device, user selection of at least one transaction option includedin the respective secondary user interface outputted in (b).
 19. Themethod according to claim 15 and further comprising: (c) operating theat least one computer to obtain at least one markup language document,responsive at least in part to the at least one reader reading theaccount data that corresponds to the secondary entity associated withthe respective secondary user interface, wherein the at least one markuplanguage document includes instructions for producing at least onedisplay screen uniquely associated with the respective secondary userinterface; wherein (b) includes operating the at least one computer tocause the at least one display to output the respective secondary userinterface responsive at least in part to the instructions included inthe at least one markup language document obtained in (c).
 20. Themethod according to claim 15 wherein the primary user interfacecomprises a default user interface for the machine, wherein (b) includesoperating the at least one computer to cause the at least one display tooutput a user interface which differs from the default user interface.